Retirement Corpus Calculator
Find out how large a corpus you will need at retirement, and how much to invest from today — as a lumpsum, a level monthly SIP, or a step-up SIP — to get there. Every result is shown under your expected returns and under a more cautious, conservative case.
How much of it you already have
Three ways to build the rest
See the full breakdown
| Expected | Conservative | |
|---|---|---|
| Return after inflation, in retirement | — | — |
| Retirement corpus required | — | — |
| Existing investments at retirement | — | — |
| Corpus gap | — | — |
Illustrative only — this calculator does not constitute investment advice, and actual returns may vary. It assumes expenses and contributions fall at the start of each period (annuity-due), and uses the real rate of return (net of inflation) for the withdrawal phase. Figures you enter here aren't saved or sent to me automatically.
Thinking of stopping work earlier than a fixed retirement age? See when your own investing could get you there.
Try the FIRE Number Calculator →Your retirement corpus is the pool of savings and investments that needs to fund every year of your life after you stop earning — potentially two to three decades. Getting the number right means accounting for inflation on both sides: while you're building the corpus, and again while you're drawing it down.
This calculator estimates the corpus you'll need at retirement based on your expected monthly expenses, years to retirement, life expectancy, and the real rate of return (return net of inflation) you assume — and shows how much you'd need to invest today, as a lumpsum, a level SIP, or a step-up SIP, to get there. Every result is shown under your expected return and a more conservative case.
Frequently asked questions
How much retirement corpus do I actually need?
It depends on your expected monthly expenses at retirement, how many years you expect to live post-retirement, and the real rate of return you assume during that phase. The calculator above estimates this using annuity-due math based on your inputs — there's no single number that applies to everyone.
What return rate should I assume for retirement planning?
A common approach is to use a conservative real rate of return (after subtracting inflation), since retirement corpora are typically invested more conservatively as you approach and enter retirement. The exact assumption should reflect your actual asset allocation, and is worth revisiting periodically as markets and your allocation change.
Does this calculator account for inflation?
Yes — it uses the real rate of return concept, which nets out inflation, so the corpus and withdrawal figures are expressed in today's purchasing power rather than inflated future rupees.
Is the “4% withdrawal rule” reliable for retirement planning in India?
The 4% rule was developed using U.S. market data and return assumptions; Indian equity, debt, and inflation dynamics differ, so the safe withdrawal rate that works in India may not exactly match. It's a reasonable starting reference point, not a guarantee.
Should I plan my retirement corpus separately from other goals?
Retirement is usually the largest and longest goal you'll fund, so it deserves its own dedicated calculation and asset allocation rather than being lumped in with money earmarked for shorter goals like a child's education or a home purchase.
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