Retirement Corpus Calculator

How much you need saved to retire on a target monthly income.

Overview

Estimates the total retirement corpus required to maintain living standards post-retirement, incorporating life expectancy and inflation.

Corpus = Annual Expenses × ((1 - (1 + Real_Rate)^(-Retirement_Years)) / Real_Rate)

Real Rate = ((1 + Investment Return) / (1 + Inflation)) - 1. Accounts for living expenses increasing each year with inflation.

Inputs: Current Age = 35 | Retirement Age = 55 | Life Expectancy = 85 | Monthly Expense = ₹50,000 | Inflation = 6%

Future monthly expenses at age 55 = ₹50,000 × (1.06)^20 = ₹1,60,356 per month
Annual retirement expense requirement = ₹19.24 Lakhs per year
Corpus needed to sustain 30 years of post-retirement living with 6% inflation and 8% return

Summary: Target Retirement Corpus = ₹4.15 Crores | Required Monthly SIP = ₹28,400

FIRE Planning: Determine savings targets required for Financial Independence, Retire Early (FIRE).
Retirement Gap Analysis: Calculate the shortfall between current provident fund savings and required retirement capital.
Post-Retirement Drawdown Strategy: Plan safe monthly withdrawal schedules that avoid depleting principal early.

It posits that withdrawing 4% of your initial retirement portfolio annually (adjusted for inflation) allows funds to last 30+ years.

Historical retail consumer inflation averages 5.5% to 6.5%, while healthcare inflation often exceeds 10%.

Each additional 5 years of life expectancy increases required retirement capital by roughly 15% to 20%.

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