Skip to content
Codesphere
← All tools
₹

Retirement Corpus Calculator

Plan inflation-adjusted retirement savings needs.

Monthly expense at retirement

₹2,87,175

Required corpus

₹7,71,48,478

Required monthly SIP

₹21,856

Projected corpus vs. target

AI insight

Get a brief, general explanation of what these results mean. This is educational information, not personalized financial advice.

About the Retirement Corpus Calculator

Estimate the retirement corpus you need based on your current expenses, inflation, and expected returns before and after retirement, plus the monthly SIP required to reach that target from your existing savings.

How the result is produced

The planner inflates current expenses to the retirement date, estimates the withdrawal-period need from post-retirement assumptions, subtracts existing savings where configured, and estimates the accumulation contribution required.

Example: Changing retirement age, life expectancy, inflation, and pre/post-retirement returns shows how sensitive the required corpus is to long-term assumptions.

Limitations and review notes

Long-horizon projections are highly assumption-sensitive and do not predict market returns, healthcare costs, taxes, pensions, or changing spending. Use a qualified financial planner for personal retirement advice.

How to use it

  1. 1. Enter your current age, planned retirement age, and life expectancy.
  2. 2. Enter current monthly expenses, inflation, and expected returns before and after retirement.
  3. 3. Optionally enter existing retirement savings.
  4. 4. Review the required corpus and the monthly SIP needed to reach it.

FAQ

How is the required corpus calculated?

As the present value, at retirement, of your inflation-adjusted monthly expenses drawn down over your retirement years at the post-retirement return rate.

What does the required monthly SIP mean?

It is the monthly investment, growing at your pre-retirement return rate, needed to close the gap between your existing savings and the required corpus by retirement.

Does this run on a server?

No. The calculation runs entirely in your browser after the page loads.

Related tools

View category →

Was this useful?