How much corpus do I need for retirement?

Your retirement corpus depends on your monthly expenses, expected inflation rate, and retirement duration. A common rule of thumb is to accumulate 25-30 times your annual expenses at retirement adjusted for inflation.

What is the 4% withdrawal rule?

The 4% rule suggests you can withdraw 4% of your retirement corpus annually (adjusted for inflation) without running out of money for approximately 30 years. This calculator uses a more precise present-value annuity approach.

How does inflation affect retirement planning?

Inflation erodes purchasing power over time. If your monthly expenses are ₹50,000 today and inflation averages 6%, you would need about ₹1,60,000/month in 20 years to maintain the same lifestyle.

Retirement Calculator — Free Online Retirement Planning Calculator

Retirement Details

Retirement Plan Summary

Future Monthly Expenses ₹0

Retirement Corpus Needed ₹0

Existing Savings FV ₹0

Additional Corpus Needed ₹0

Monthly SIP Required ₹0

Total Invested ₹0

Wealth Gained ₹0

Year-wise Growth

Yearly Breakdown

Year	Age	Invested	Interest	Balance

What is a Retirement Calculator?

A retirement calculator helps you estimate how much money you need to save to maintain your desired lifestyle after you stop working. It considers your current expenses, expected inflation, investment returns, existing savings, and the number of years until and after retirement.

How the Calculation Works

Step 1: Future Monthly Expenses = Current Expenses × (1 + inflation)^years_to_retire

Step 2: Retirement Corpus = Present Value of all future expenses during retirement, adjusted for inflation and post-retirement returns

Step 3: Existing Savings FV = Current Savings × (1 + return)^years_to_retire

Step 4: Additional Corpus = Corpus Needed − Existing Savings FV

Step 5: Monthly SIP = Additional Corpus ÷ FV annuity factor (monthly compounding)

Key Assumptions

Inflation Rate: Historically, India's CPI inflation averages 6–7%. Consider using 6–7% for conservative estimates.
Pre-Retirement Returns: Equity-heavy portfolios have historically delivered 12–15% in India. A balanced fund may give 10–12%.
Post-Retirement Returns: After retirement, a conservative allocation (debt-heavy) typically yields 7–9%.
Life Expectancy: Consider using 85–90 years to avoid outliving your savings.

Retirement Planning Tips

Start Early: The power of compounding is strongest over long periods. Starting 5 years earlier can reduce your required monthly SIP by 30–40%.
Increase SIP Annually: Step-up your SIP by 5–10% each year as your income grows to build corpus faster.
Diversify: Spread investments across equity, debt, PPF, NPS, and real estate for balanced risk.
Healthcare Buffer: Add 15–20% to your estimated expenses to account for rising healthcare costs.
Emergency Fund: Maintain 6–12 months of expenses as liquid emergency fund separate from retirement corpus.
Review Regularly: Revisit your retirement plan every year and adjust for changes in income, expenses, or goals.

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