Retirement Corpus Calculator
Enter your ages, today's monthly expenses and your own assumptions for inflation and returns. You get the corpus you would need at retirement and the monthly saving to build it.
An assumption, not a forecast.
An assumption, not a forecast.
An assumption, not a forecast. Returns are not guaranteed.
Corpus needed at retirement
₹4.06 Cr
Monthly spending then: ₹2,87,175
- Monthly saving needed
- ₹11,511
- Total you put in
- ₹41.44 L
- Years to retirement
- 30
- Years of retirement
- 25
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- This is an illustration built from the rates you enter. Real returns and inflation vary, so treat the result as a starting point and speak to a qualified adviser for decisions.
How the estimate is built
Your monthly expenses are grown by the inflation rate until you retire. The corpus is the amount that, earning the after-retirement return, can pay that monthly amount until the age you plan to.
The monthly saving is the amount that, earning the saving-phase return, grows to that corpus by retirement.
Every rate here is an assumption you can change, not a forecast. Small changes in inflation and return move the answer a lot, so try a cautious and a hopeful set.
The formula
Corpus = expenses at retirement × (1 − (1 + r)^−n) ÷ r, where r is the monthly after-retirement return and n the months in retirement. Monthly saving = corpus × i ÷ ((1 + i)^m − 1), where i is the monthly saving-phase return and m the months until retirement.
Common questions
How much money do I need to retire?
It depends on your expenses, how long you need the money to last, inflation and returns. This calculator shows the corpus for the numbers you enter.
Which inflation and return rates should I use?
Use cautious assumptions and test a few. Returns are not guaranteed, and inflation for your own spending can differ from the average.
Does this include pensions, EPF or other income?
No. Subtract income you expect from other sources from your monthly expenses to see the corpus you would still need.
Is this financial advice?
No. It is arithmetic on the numbers you enter. Speak to a qualified adviser for decisions about your money.
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