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Retirement Corpus Calculator

Retirement Corpus Calculator

How big a corpus do you actually need?

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Corpus needed at retirement
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to fund the years you set
Monthly expense at retirement
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after inflation
Years to retirement
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Corpus needed vs growth while drawing down

Projects your current monthly expenses forward to what they will cost at retirement, then works out the lump sum needed so a fixed real return can fund that (inflation-adjusted) spending for the years you specify. This tells you the TARGET — pair it with the SIP calculators to work out the monthly investment needed to reach it.

Tax: treat the post-retirement return you set as a post-tax number, because retirement income is taxed like any other: FD/SCSS interest and annuity/pension income at your slab, equity-fund withdrawals at 12.5% LTCG beyond ₹1.25L of gains a year, debt funds at slab. A retiree drawing via an equity SWP typically loses far less to tax than one living off FD interest at the same rate — which effectively shrinks the corpus needed. Also note seniors get a ₹1L TDS threshold on bank interest, 80TTB (₹50,000 interest deduction, old regime), and the same ₹12L rebate under the new regime.

What to work out next

NPS Calculator

Corpus, tax-free lump sum, and the pension after tax and inflation.

SWP Calculator

See how long a withdrawal plan makes your corpus last.

EPF Calculator

Project your provident fund at retirement.

Inflation Calculator

See what today's rupee is worth years from now.

SCSS Calculator

Estimate quarterly interest from a Senior Citizens Savings account.

Gratuity Calculator

Estimate the gratuity payout owed at your salary and tenure.

Frequently asked questions

How much do I actually need to retire comfortably?

It depends on your expected post-retirement expenses, life expectancy, and inflation between now and then -- there's no single universal number. A common starting approach is estimating your annual expenses in today's money, inflating them to your retirement year, and sizing a corpus that can sustain withdrawals for your expected retirement length.Read more: Retirement Corpus Calculator: How Much Will You Need?

What's the difference between EPF, PPF, and NPS?

EPF is employer-linked, mandatory for many salaried employees, with employer matching. PPF is a voluntary, government-backed 15-year scheme open to anyone. NPS is a market-linked retirement account with its own tax benefits (including an extra deduction under 80CCD(1B)) and a mandatory annuity portion at exit. Many people use more than one together.Read more: NPS Calculator: Build Your Retirement Pension

When should I start planning for retirement?

As early as possible -- the effect of compounding over a longer time horizon typically matters more than the exact monthly amount you invest. Starting in your 20s versus your 40s can mean needing a dramatically smaller monthly contribution to reach the same retirement corpus.Read more: Your “Safe” Government Scheme Has a Stock Market Bet Built In

How does inflation affect my retirement corpus?

Inflation erodes purchasing power every year between now and retirement, and continues to erode it throughout retirement itself. A corpus that looks large in today's terms can fall well short in real terms decades from now -- which is why this calculator shows results in both nominal and inflation-adjusted, "today's money" terms.Read more: PMVVY’s Locked 7.4% Rate Is Gone — What Retirees Are Left With Instead

Estimates only, not financial advice. See our Disclaimer.