Retirement Corpus Calculator
Estimate the corpus needed at retirement to fund your expenses for life.
Result
- Years in retirement
- 25
- Age 60 to 85.
- Monthly SIP needed from today
- ₹21,617.58
- Investing for 30 years at 12.00%.
- One-time investment instead
- ₹21,22,641
- Single amount invested today that reaches the same corpus at the pre-retirement return.
- Total drawn in retirement
- ₹19,90,10,216
- Everything the corpus is expected to pay out, in future rupees.
| Age | Withdrawn in year | Corpus at year end |
|---|---|---|
| 61 | ₹35,42,460 | ₹7,81,46,082 |
| 62 | ₹37,60,951 | ₹7,98,89,970 |
| 63 | ₹39,92,918 | ₹8,15,19,054 |
| 64 | ₹42,39,193 | ₹8,30,10,177 |
| 65 | ₹45,00,657 | ₹8,43,37,595 |
| 66 | ₹47,78,247 | ₹8,54,72,728 |
| 67 | ₹50,72,959 | ₹8,63,83,896 |
| 68 | ₹53,85,848 | ₹8,70,36,035 |
| 69 | ₹57,18,035 | ₹8,73,90,380 |
| 70 | ₹60,70,711 | ₹8,74,04,129 |
| 71 | ₹64,45,139 | ₹8,70,30,073 |
| 72 | ₹68,42,661 | ₹8,62,16,198 |
| 73 | ₹72,64,701 | ₹8,49,05,249 |
| 74 | ₹77,12,772 | ₹8,30,34,263 |
| 75 | ₹81,88,479 | ₹8,05,34,059 |
| 76 | ₹86,93,527 | ₹7,73,28,683 |
| 77 | ₹92,29,724 | ₹7,33,34,813 |
| 78 | ₹97,98,993 | ₹6,84,61,108 |
| 79 | ₹1,04,03,374 | ₹6,26,07,506 |
| 80 | ₹1,10,45,031 | ₹5,56,64,462 |
| 81 | ₹1,17,26,264 | ₹4,75,12,124 |
| 82 | ₹1,24,49,515 | ₹3,80,19,445 |
| 83 | ₹1,32,17,373 | ₹2,70,43,210 |
| 84 | ₹1,40,32,592 | ₹1,44,26,994 |
| 85 | ₹1,48,98,092 | ₹33 |
An estimate, not a guarantee. It assumes the return you entered is earned steadily every month; real mutual fund returns vary year to year and can be negative. Nothing here is investment advice. Medical costs often inflate faster than general prices, and this model does not treat them separately.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
Two steps. First today’s monthly expense is inflated to what the same lifestyle costs on the day you retire. Then the calculator finds the corpus that can pay that inflating expense every month until your life expectancy, while the untouched balance keeps earning the post-retirement return you assume. Because withdrawals rise with inflation and the corpus earns a return, only the gap between those two rates really drives the answer — and every one of those rates is an assumption you supply, not a forecast.
Formula
- Expense at retirement = current monthly expense × (1 + inflation)^years to retirement
- Corpus = M × (1 − x^n) ÷ (1 − x), where x = (1 + g) ÷ (1 + r)
- g = inflation ÷ 12, r = post-retirement return ÷ 12, n = retired months; Corpus = M × n when r = g
Frequently asked questions
Why does the corpus fall to nearly zero at life expectancy?
By design — it is the smallest corpus that funds the expense for exactly the years you entered. If you want money left over, raise the life expectancy or the expense.
Why are there two return rates?
Before retirement the money is usually invested for growth; after retirement it is normally moved to safer, lower-yielding assets. The gap between the post-retirement return and inflation is what really sets the corpus.
Does this include my EPF, NPS or PPF balance?
No. This is the total corpus required. Subtract what those schemes are projected to be worth, then use the retirement SIP calculator for the remainder.