Retirement Corpus Calculator — How Much Do You Need?
Corpus from monthly expenses with inflation to retirement and through 25+ retired years — the full two-phase math.
Formula
Disclaimer: Indicative math using recently applicable rates and rules — verify current-year figures. Not financial or tax advice.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need retirement corpus calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Retirement Corpus Calculator — How Much Do You Need?
Retirement math has two phases most calculators skip one of: INFLATE today's ₹60,000/month to retirement age (₹3.08 lakh/month at 60, for a 32-year-old at 6% inflation — the number that shocks), then compute the corpus whose post-retirement returns can pay that inflation-GROWING bill for 30 years. The honest answer here lands near ₹6.4 crore — and the monthly SIP to build it (~₹21,500 at 12%) is the actually actionable output. The corpus formula uses the REAL rate (post-retirement returns minus inflation): at 8% returns against 6% inflation, the corpus works ~2% real — which is why 'I'll just live off FD interest' fails (FD real returns after tax hover near zero, so the corpus erodes precisely when you can't rebuild it). Higher real returns shrink the required corpus dramatically: every 1% of real return is roughly 12-15% less corpus needed. Refinements that change YOUR number: expenses don't inflate uniformly (healthcare runs hotter, commuting disappears, the famous retirement 'smile' spends more early and late); existing assets (EPF corpus, NPS — calculators beside this one) subtract from the target; and the SIP figure assumes starting NOW — re-run with your real age to watch procrastination's price. Treat the output as a living number revisited yearly, not a one-time verdict.
How to use Retirement Corpus Calculator — How Much Do You Need?
- 1Enter Current monthly expenses, Current age (years), Retirement age (years), Inflation (%), Post-retirement return on corpus (%), Years in retirement (years) into the Retirement Corpus Calculator.
- 2The result is computed automatically using Phase 1: inflate today's expenses to retirement ; phase 2: corpus = annuity-PV of inflation-growing withdrawals at the real return for your retired years — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Retirement Corpus Calculator — How Much Do You Need??
- ✓Computes retirement corpus calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
₹60,000 kharche wale ko sach me ₹6+ crore chahiye?+
28 saal door retirement ke liye, haan — kyunki 6% inflation kharcha 5× kar deti hai (₹3 lakh/month) aur phir 30 saal ka funding chahiye. Aaj retire ho rahe 60-saala ke liye wahi kharcha ~₹1.5 crore maangta hai. Number umar ka function hai — isliye 'kitna chahiye' ka koi universal jawab nahi, sirf aapke inputs ka jawab hota hai.
25x ya 30x expenses wala rule isse alag kyun hai?+
Woh rules RETIREMENT-DAY ke annual kharch par lagte hain: ₹3.08L/month × 12 × 25 ≈ ₹9.2 crore — hamara two-phase math (8% return, 6% inflation, 30 saal) usse kam (~₹6.4 Cr) deta hai kyunki 25x rule 4%-SWR conservatism rakhta hai. Dono frameworks bracket hain: is calculator ka output floor, 25x comfort-ceiling. Beech me aim karna samajhdari hai.
EPF/NPS already hai to is corpus me se ghata sakte hain?+
Bilkul — yeh GROSS requirement hai. Process: EPF-corpus calculator se 58 ka balance nikaaliye, NPS calculator se 60 ka, dono ko yahan ke corpus me se ghataiye; bachi GAP ke liye SIP figure ko proportionally adjust kariye (gap ÷ corpus × SIP). Zyadatar organized-sector logon ka 30-50% target EPF+NPS se hi cover ho jata hai — baaki hi asli 'extra savings' ka kaam hai.
Post-retirement 8% return ka assumption theek hai?+
Balanced approach ke liye haan: retirement me 100% FD nahi hota — common bucket strategy me 2-3 saal ka kharcha debt/FD me, baaki hybrid/equity me, blended 8% defensible hai. Conservative chahein to 7% kijiye (corpus ~10% badhega). 9%+ maanna sequence-risk ko underprice karta hai. Asli discipline: retirement ke baad bhi equity ka kuch hissa zinda rakhna — 30 saal ki inflation usi se ladti hai.
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