Corpus needed to retire comfortably. The Retirement Corpus Calculator takes current monthly expenses, current age, retirement age, life expectancy, inflation, return on the corpus after retirement and returns corpus needed at retirement plus yearly expenses in the first year of retirement, years in retirement, monthly sip needed at 12% to build it. Results update as you type, and the formula is shown under the result so you can repeat it in your own spreadsheet.
Government-backed schemes publish their interest rates quarterly and market-linked funds do not guarantee returns. Enter the current rate for the scheme and treat market-return assumptions as scenarios rather than promises. Use the worked example below to check the maths against your own figures.
How the Retirement Corpus Calculator works
Expenses at retirement are today's expenses inflated to that date; the corpus is the present value of those expenses rising with inflation through retirement while the remaining money earns the post-retirement return. The last line shows the monthly SIP that would build it at 12%.
Worked example
With the example values (current monthly expenses of ₹50,000, current age of 35, retirement age of 60, life expectancy of 85, inflation of 6%, return on the corpus after retirement of 7%), the corpus needed at retirement is ₹53,878,346.68; yearly expenses in the first year of retirement ₹2,575,122.43, years in retirement 25, monthly sip needed at 12% to build it ₹28,392.36. Change any figure above and the result updates immediately; use Copy results to paste the summary into a note or email.
Related Calculators
Frequently Asked Questions
How is corpus needed at retirement calculated?
corpus = first-year expenses × [1 − ((1 + inflation) ÷ (1 + return))years] ÷ (return − inflation).
Which figures do I need?
Current monthly expenses, current age, retirement age, life expectancy, inflation, return on the corpus after retirement. Take them from the same period and the same set of accounts or reports so the ratio is consistent, and check the example values as a guide to the units expected.
Is the interest rate fixed?
Small-savings rates are reviewed by the government every quarter and bank rates change with policy; market-linked schemes have no fixed rate at all. Enter the current rate for your scheme and revisit the result when rates change.
