Retirement Corpus Calculator: How Much Will You Need?

Will your savings outlast your retirement? This calculator estimates the corpus you need and whether you’re on track.

What is it?

Your retirement corpus must fund your expenses for decades after you stop earning, adjusted for inflation and post-retirement returns.

How is it calculated?

It inflates your current expenses to retirement, then computes the lump sum needed to sustain withdrawals through your retired years.

Example

If you need ₹50,000 a month today and retire in 25 years, inflation can push the required corpus into several crore.

Key things to know

• Always adjust for inflation — it’s the silent corpus-killer.
• Start early; the corpus needed grows steeply if you delay.
• Don’t assume the same high returns after retiring.
• Revisit the plan every few years.

What to do next

Use long-term SIPs and retirement products to close any gap.

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Frequently asked questions

How big a corpus do I need?
Enough to cover inflation-adjusted expenses for 25-30 retired years.

What return should I assume after retiring?
A conservative, lower figure than during your earning years.

How do I build it?
Through long-term SIPs, EPF, NPS and PPF combined.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.