Retirement Corpus Calculator & Estimate

Currency

Current Age

Retirement Age

Life Expectancy

Monthly Expenses at Retirement (today's value)

Inflation Rate (% per year)

Expected Return on Corpus (% per year)

Existing Savings / Investments

Expected Return on Current Savings (% per year)

About the Retirement Corpus Calculator

The Retirement Corpus Calculator helps you estimate how much money you need to accumulate by the time you retire so you can maintain your desired lifestyle without relying on employment income. It accounts for inflation (which increases your future expenses), the return your corpus earns during retirement, and how long you expect to live after stopping work. Anyone who wants to retire comfortably — whether in 5 years or 35 years — should use this calculator to set a clear savings target today.

How to Use

Enter your current age, the age you plan to retire, and your expected life expectancy.
Input your estimated monthly expenses at retirement in today's money.
Set the expected inflation rate and the return you expect your retirement corpus to earn.
Add any existing savings or investments, then click Calculate to see the corpus needed and the monthly SIP required.

Formula Used

Corpus = FV_expenses × [(1 − (1+r_real)^−T) / r_real]
r_real = (return − inflation) / (1 + inflation)

FV_expenses = future monthly expenses inflated to retirement date, r_real = inflation-adjusted (real) return on corpus, T = retirement duration in years. Existing savings are grown at the savings return rate; the shortfall is funded by a monthly SIP.

Understanding Your Results

Corpus Needed The lump-sum amount required on the day you retire to fund all inflation-adjusted expenses throughout your retirement years.

Monthly SIP Required The monthly investment you need to make from today to bridge the gap between your existing savings' future value and the total corpus needed.

Monthly Exp (future) Your today's monthly expenses grown at the inflation rate to show what the same lifestyle will cost in the year you retire.

Important Note

Retirement planning involves many variables — healthcare costs, lifestyle changes, tax implications, and unexpected events — that this calculator cannot fully model. Results are projections based on constant inflation and return assumptions; real-world figures will differ. A safe withdrawal rate of 3–4% of corpus per year is a common rule of thumb. We strongly recommend consulting a certified financial planner to build a personalised retirement strategy.

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