Retirement Calculator – Corpus You Need

What is Retirement?

Retirement planning starts with a simple question: how much money will you need when you stop earning? Because of inflation, the monthly expenses you have today will cost much more by the time you retire. This calculator helps you estimate that future expense and the corpus you may need.

Formula

Future monthly expense = Current monthly expense × (1 + inflation)^{years to retirement}.

Worked example

Your monthly expenses today are ₹50,000. With 6% inflation over 25 years, the same lifestyle would cost about ₹2,14,594 per month at retirement.

Frequently asked questions

What inflation rate should I assume?

Many planners use a figure in the range of 5% to 7% for India, but check recent data and run a few scenarios.

How long should my corpus last?

Plan for a long retirement, since life expectancy keeps rising. Many plans assume 25 to 30 years or more.

Does this include my existing savings?

Compare the corpus needed with what your current investments are expected to grow to, using the SIP or CAGR calculators.

Is this financial advice?

No. It's an estimate for planning. A qualified financial planner can tailor it to your situation.

Related calculators

SIP Calculator · SWP Calculator · NPS Calculator · Inflation Calculator

Results are estimates for information only and are not financial, tax or legal advice.