Retirement Corpus Calculator

It depends on your spending, not a round number you read somewhere. Start with your current monthly expense, grow it by inflation until you retire, and fund every year from then to your life expectancy. This calculator does that maths for you and shows the corpus you need.

Because the money you spend at 60 buys far less than it does today. At 6% inflation, ₹50,000 a month becomes roughly ₹2.9 lakh a month in 30 years. If you plan around today's costs, you'll fall short. That's why the calculator inflates your expenses first.

Keep it conservative. Once you stop earning, you can't take big risks with the corpus that pays your bills. A post-retirement return of 6–7% is a sensible default for a mix of debt and a little equity. The calculator uses the real return (return minus inflation) to size the corpus.

Start now anyway. The monthly SIP figure here shows exactly what consistent investing needs to look like. Saving more, retiring a bit later, or trimming future expenses all shrink the gap. Run a few scenarios and pick the one you can stick to.