🌅 Retirement Calculator

Calculate how much corpus you need to retire comfortably.

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What is a Retirement Calculator?

Most people underestimate retirement planning because they think in today's rupees instead of future rupees. A ₹40,000 monthly budget feels comfortable now, but after two or three decades of inflation, you may need several times that amount just to maintain the same lifestyle. This calculator works backwards from your desired retirement age to tell you the total corpus you'd need on the day you stop earning, accounting for both inflation eating into your expenses and the returns your investments generate along the way.

Retirement Corpus Formula

The tool first inflates your current monthly expense to its future value at retirement, then converts that into a total corpus using the gap between your expected post-retirement returns and inflation:

Future Annual Expense = Monthly Expense × 12 × (1 + Inflation)^Years
Required Corpus = Future Annual Expense ÷ (Expected Returns − Inflation)

Worked Example

Take someone aged 30 who plans to retire at 60 (30 years to go), currently spending ₹40,000 a month, assuming 6% inflation and 10% post-retirement returns (the calculator's default assumptions). Their monthly expense of ₹40,000 grows to roughly ₹27.6 lakh a year by retirement after 30 years of 6% inflation. Dividing that by the 4% gap between returns and inflation (10% − 6%) gives a required retirement corpus of approximately ₹6.9 crore. It's a large number, but it reflects the true cost of funding decades of retirement in rupees that keep losing value every year.

How to Use This Calculator

  1. Enter your current age and your planned retirement age.
  2. Enter your current monthly expense — be realistic and include rent, groceries, healthcare, and lifestyle costs.
  3. Adjust the expected inflation rate (6% is a reasonable long-term Indian average).
  4. Adjust the expected returns you anticipate from your retirement investments post-retirement.
  5. Click Calculate to see your required corpus.

Tips for Building Your Corpus

  • A mix of EPF, PPF, NPS, and equity mutual funds through SIPs is a common approach Indian savers use to bridge the gap between today's savings and tomorrow's corpus.
  • Healthcare costs tend to rise faster than general inflation as you age, so it's wise to overestimate rather than underestimate your monthly expense assumption.
  • Revisit this calculation every few years — your income, expenses, and expected retirement age will change, and so should your plan.
💡 Tip: Once you know your target corpus, use the SIP Calculator to work out how much you'd need to invest monthly to actually reach that number.

📅 Last reviewed: July 2026 · Formulas verified against RBI/SEBI/IT Dept guidelines.