Retirement Corpus Calculator
Plan how much you may need to retire in India: project expenses at retirement using inflation, estimate the corpus to fund the years after you stop working using a post-retirement return, and see illustrative monthly SIP and one-time investment needed from today if you already have some savings earmarked for retirement.
Ages
Models how many retirement years spending may last; higher age increases required corpus in this estimate.
Retirement lifestyle vs today
Scales today's spending before inflating to retirement—similar to planning a simpler or richer lifestyle after you stop working.
Used to project your existing corpus to retirement and to derive SIP and lumpsum needed for any shortfall.
Often set lower than pre-retirement return to reflect a more conservative portfolio when you rely on withdrawals.
Include EPF, NPS, PPF, mutual funds, or other long-term balances you plan to use for retirement (today's value).
Target corpus at retirement
₹7,21,01,382
Years to retirement
30 yr
Years in retirement (modelled)
25 yr
Monthly expense at retirement (first year)
₹2,87,175
Corpus funding mix at retirement
From existing savings (projected)
₹99,18,700 • 14%
Still to accumulate
₹6,21,82,682 • 86%
This is a simplified educational model: it assumes smooth constant returns, no taxes or fees, monthly SIP paid at month-end, and inflation applying evenly to expenses. Real markets and personal spending vary—use the result as a planning ballpark, not advice.
Retirement corpus planning in India
Retirement planning answers two linked questions: how much you may spend many years from now when prices have risen, and how large a nest egg might be needed so withdrawals can last across a long second phase of life. A retirement corpus calculator combines those ideas with assumptions about inflation, investment returns while you are still earning, and typically lower returns after you shift toward stability when withdrawals begin. Longevity matters as much as returns: planning only to age seventy when your family often lives into the eighties can understate the longevity risk in your actual budget.
How this estimate is built
Your current monthly expenses are scaled by the lifestyle toggle, then compounded at the inflation rate until retirement to approximate spending in the first year after you stop working. For the retirement years up to life expectancy, the tool values a stream of annual expenses that keep growing with inflation, discounted by your assumed post-retirement return—similar to a present value of a growing withdrawal schedule used in many retirement planning spreadsheets. The SIP and lumpsum figures back-solve how much to add each month, or once today, so that your existing savings plus new contributions reach the target at retirement using your pre-retirement return.
Core formula (present value of retirement spending)
Let Pbe the first year's annual expense at retirement (after inflating monthly costs). Let g be inflation and r be post-retirement return, with N retirement years. The corpus approximation used here is:
When r and gare extremely close, the calculator switches to a stable limiting form so the estimate stays numerical. Monthly SIP uses standard future value of an ordinary annuity on the shortfall after projecting today's corpus forward.
Why inflation and return assumptions dominate the answer
Small changes in inflation or long-run returns move the target corpus by lakhs or crores because the math is exponential over decades. That is why personal finance discussions stress stress-testing: rerun the calculator with higher inflation, lower returns, or longer life expectancy to see if your plan still feels adequate. Combine this tool with other ZeroKhata planners—such as the inflation calculator, SIP calculator, or NPS calculator—to align expense growth, contributions, and account-specific rules.
Frequently asked questions
What is a retirement corpus?
It is the amount of invested wealth you aim to have at retirement so you can pay your bills after your salary stops. It is not a single fixed number for everyone; it depends on spending, longevity, inflation, and how you invest before and after retirement.
How does this calculator estimate the corpus I need?
It projects your monthly expenses to the year you retire, then estimates how much you would need on day one of retirement to fund expenses through your assumed life expectancy, with expenses rising with inflation and the portfolio earning a post-retirement return you specify.
What is the difference between pre-retirement and post-retirement return?
Pre-retirement return is the average growth you expect while you are accumulating money, often reflecting a heavier equity allocation over a long horizon. Post-retirement return is usually lower, reflecting a shift toward debt or hybrid funds and less appetite for drawdowns when you spend from the corpus.
Why does life expectancy matter so much?
Each extra year in retirement is another year of withdrawals. Medical improvements and healthier lifestyles mean many families should plan well beyond the old rule-of-thumb ages, or risk outliving a too-small corpus.
What monthly SIP does the calculator show?
A level monthly SIP from now until retirement that would grow to the shortfall between your target corpus and the projected value of savings you already entered, using your pre-retirement return. It ignores salary growth, irregular bonuses, and annual step-ups—you can layer those with a step-up SIP tool separately.
Should I include EPF, NPS, and similar balances?
Yes, if you intend to use them for retirement income. Enter today's combined balance so the calculator only asks for new savings to fill a remaining gap. Rules for NPS annuity portions, EPF tax on interest above thresholds, and lock-ins are not modeled here.
How should I pick an inflation rate?
Broad household inflation in India has often been discussed in mid-single-digit terms, but education and healthcare can rise faster. Many planners add a margin by using a slightly higher inflation input than they expect in the short run.
Does this include taxes, pension income, or rent?
No. It treats spending as a single inflated stream and ignores tax on withdrawals, annuity income, rental yields, and employer pensions. Adjust your assumed monthly need downward if you expect meaningful guaranteed income in retirement.
Can I model early retirement?
Set an earlier retirement age. That usually shortens the years available to compound investments and lengthens the withdrawal phase, which raises the target corpus and required savings in this framework.
Is this calculator free to use?
Yes. You can change inputs as often as you like without signing up. Results are illustrative only and not investment or tax advice.