Project retirement corpus and approximate monthly income. This dedicated page is built for fast, clean calculations and search visibility.
Enter your values, click calculate, and see the result instantly. The page uses a simple, focused layout to improve usability on mobile and desktop.
How to use this calculator
- Open the retirement corpus calculator page.
- Enter the required values in the form fields.
- Click Calculate to see the result and breakdown.
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Planning your retirement corpus
Retirement planning requires estimating two things: how much you need at retirement (the corpus), and whether your savings and investments will get you there. The corpus depends on your expected monthly expenses, inflation, years in retirement, and the return you expect to earn on that corpus after retirement.
A common planning rule is the 25× rule: multiply your annual expenses by 25 to get the corpus that can sustain you indefinitely at a 4% withdrawal rate. For ₹60,000/month expenses today adjusted for 25 years of 6% inflation, you'd need approximately ₹5.6 crore corpus at retirement.
Key variables that shift the outcome dramatically
- Inflation rate: At 6% inflation, expenses double every 12 years. Using 5% vs. 7% inflation changes the corpus needed by 30–40%.
- Post-retirement return: Retirees shift to conservative instruments. Assuming 7% post-retirement return (FDs + some equity) is reasonable; assuming 12% overestimates security.
- Retirement age: Retiring at 55 vs. 60 means 5 fewer earning years and 5 more spending years — this combination roughly doubles the corpus needed.
A balanced retirement strategy layers EPF (mandatory base), NPS (tax-efficient accumulation with additional ₹50,000 deduction under 80CCD(1B)), and equity mutual funds for growth. Model each separately and sum at retirement to check corpus adequacy.