How much retirement corpus do I need?

Work out your monthly expenses grown by inflation to your retirement age, then the lump sum that can fund those inflation-rising expenses for your full retirement while the corpus itself earns a return. This tool computes that corpus and the monthly SIP needed to build it.

Why inflate today's expenses?

₹50,000 of expenses today will cost far more decades from now. Ignoring inflation badly understates the corpus you need, so the calculator grows expenses to your retirement year and through retirement.

What return should I assume in retirement?

A conservative, lower return is usual after retirement since the corpus shifts to safer assets — often modelled a few points below your pre-retirement return.

Retirement Calculator (India)

Retirement Corpus Calculator

Find the retirement corpus your lifestyle needs — and the monthly SIP to get there. The calculator grows today's expenses by inflation to your retirement age and sizes a fund that lasts through retirement while still earning.

How it's calculated

Today's monthly expense is grown by inflation to your retirement age to find your first-year retirement spending. The corpus is the amount that can fund those expenses — which keep rising with inflation — for your whole retirement, while the fund itself earns the post-retirement return. Finally, the tool works out the monthly SIP that would build that corpus by retirement at your pre-retirement return.

Corpus uses an inflation-adjusted (growing annuity) drawdown. Figures are planning estimates; real inflation and returns vary.

Frequently asked questions

Does it assume the corpus is exhausted?

Yes — it sizes the corpus to just last your chosen retirement duration. Leaving an inheritance would need a larger corpus.

What about EPF, PPF, NPS?

Subtract what those will provide from the corpus figure to find the extra you must save. See the NPS and PPF tools.

Is the SIP fixed?

It assumes a level monthly SIP; a step-up SIP could start lower and rise with your income.

Retirement Corpus Calculator

Your plan

How it's calculated

Frequently asked questions