Retirement Corpus Calculator
Enter today's monthly expenses — instantly see the corpus you need at retirement and the monthly SIP required to build it.
How to use — Retirement Corpus Calculator
- Enter your current age and planned retirement age.
- Enter today's monthly expenses — the same lifestyle is assumed at retirement.
- Adjust inflation and life expectancy if needed.
- Click Calculate — see the corpus needed and the monthly SIP to build it.
FAQ
How is the corpus calculated?
Today's expenses are first grown with inflation until retirement. Then the corpus needed for the retirement years is calculated assuming the corpus earns ~7% post-retirement while expenses keep rising with inflation (real return method).
How large a corpus is enough?
Rule of thumb: 25–30x the annual expenses in the first year of retirement. E.g. ₹3.5L/month expense at retirement = ₹42L/year × 30 = ~₹12.6 crore. This calculator gives an exact number based on your inputs.
Why SIP @12%?
Long-term equity has a historical average of ~12%. For a conservative estimate, assume less and invest a slightly higher SIP. Shift from equity to debt as you approach retirement.
What if I already have EPF/NPS?
Subtract their expected retirement value from this corpus — cover the remaining gap with SIP. EPF+NPS often cover 30–50% of the corpus.