Retirement Corpus Calculator
Your retirement corpus is the lump sum that, invested at retirement, can pay your inflation-adjusted expenses until the end of your plan.
Results
Corpus needed at retirement
₹7,71,48,478
- Your plan
- Shortfall of ₹7,71,48,478
- Projected corpus
- ₹0
- Shortfall
- ₹7,71,48,478
- Total monthly SIP needed
- ₹62,871
- Extra monthly SIP needed
- ₹62,871
- Monthly expense at retirement
- ₹2,87,175
- Years to retirement
- 30
- Years in retirement
- 25
To spend ₹50,000 a month in today's money from age 60 to 85, you need about ₹7,71,48,478 at retirement. Your savings are projected to reach ₹0, leaving a shortfall of ₹7,71,48,478.
Projected corpus vs corpus needed
- Shortfall₹7,71,48,478 (100.0%)
Show the calculation steps
- Years to retirement = 60 − 30 = 30; years in retirement = 85 − 60 = 25.
- Monthly expense at retirement = ₹50,000 × (1 + 6%)^30 = ₹2,87,175.
- Corpus needed = present value of 25 years of expenses that rise with inflation while the corpus earns 7%: ₹7,71,48,478.
- Projected corpus = savings grown ₹0 + SIP grown ₹0 = ₹0.
- Total monthly SIP needed to close the gap = ₹62,871 (₹62,871 more than you invest now).
- Assumes withdrawals at the start of each year that rise with inflation, and constant returns. Results are estimates, not advice. Plan for a margin of safety.
Why the corpus is bigger than you expect
Prices keep rising, so ₹50,000 a month today may need well over ₹2 lakh a month in thirty years. The corpus must fund those larger, inflation-adjusted expenses for the whole retirement.
How the return after retirement matters
The higher the return your corpus earns while you spend it, the smaller it needs to be. But taking more risk to earn more can hurt if markets fall early in retirement. Use a cautious figure.
Formula
Expense at retirement = Expense today × (1 + inflation)^years
Corpus = Σ (yearly expense × ((1 + inflation) ÷ (1 + return))^t) over the retirement years
Projected corpus = Savings × (1 + i)^n + SIP × ((1 + i)^n − 1) ÷ i × (1 + i)
Where:
- i
- = Monthly return before retirement
- n
- = Months until retirement
- t
- = Year of retirement, starting at 0
Example calculation
₹50,000 a month today, retire at 60, plan to 85
Inputs
- Current Age
- 30 years
- Retirement Age
- 60 years
- Plan Until Age
- 85 years
- Monthly Expenses Today
- ₹50,000
- Expected Inflation
- 6 %
- Return After Retirement
- 7 %
Result
- Your plan
- Shortfall of ₹7,71,48,478
- Corpus needed at retirement
- ₹7,71,48,478
- Projected corpus
- ₹0
- Shortfall
- ₹7,71,48,478
- Total monthly SIP needed
- ₹62,871
- Extra monthly SIP needed
- ₹62,871
- Monthly expense at retirement
- ₹2,87,175
- Years to retirement
- 30
- Years in retirement
- 25
Step-by-step
- Years to retirement = 60 − 30 = 30; years in retirement = 85 − 60 = 25.
- Monthly expense at retirement = ₹50,000 × (1 + 6%)^30 = ₹2,87,175.
- Corpus needed = present value of 25 years of expenses that rise with inflation while the corpus earns 7%: ₹7,71,48,478.
- Projected corpus = savings grown ₹0 + SIP grown ₹0 = ₹0.
- Total monthly SIP needed to close the gap = ₹62,871 (₹62,871 more than you invest now).
Important notes
- This shows the corpus needed only. Use the retirement calculator to compare it with your savings.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
How is the retirement corpus calculated?
It is the present value at retirement of all the future yearly expenses, which rise with inflation while the corpus earns a return.
Should I plan to age 85 or 90?
Longer is safer. People are living longer, and outliving your money is a bigger risk than leaving some behind.
Does the corpus include other income like pension?
No. Subtract expected pension or rental income from your expenses to see the corpus you need from savings.
Related calculators
- Retirement CalculatorFind how much you need to retire, whether your savings will get you there and the monthly investment that closes any gap.
- Retirement SIP CalculatorFind the monthly SIP you need to reach your retirement corpus, after counting the savings you already have.
- Retirement Age CalculatorFind the earliest age you can retire on your current savings and monthly investing, given your expenses and inflation.
- Retirement Income CalculatorSee how much monthly income a retirement corpus can pay, rising with inflation, until the age you choose.
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