Retirement Corpus Calculator India

Formula

Inflation-adjusted retirement planning

The calculator projects current expenses to retirement age and estimates corpus for retirement years.

Corpus = Future annual expense x retirement annuity factor

FAQ

What is a retirement corpus?

A retirement corpus is the investment amount you need to support expenses after you stop working. It should account for inflation, life expectancy, and expected returns.

How do I estimate retirement expenses?

Start with today's monthly expenses and remove work-related costs if needed. Then apply inflation until retirement age to estimate future monthly expenses.

Why does inflation matter so much for retirement?

Inflation reduces purchasing power over time. A monthly expense that feels comfortable today can become much larger after 20 or 30 years.

What return should I assume before retirement?

Use a realistic long-term return based on your asset mix. Equity-heavy portfolios may assume higher returns, while conservative portfolios should use lower numbers.

What return should I assume after retirement?

Post-retirement assumptions should usually be more conservative because capital protection becomes important. Many people use a lower return than their pre-retirement portfolio.

Should EPF, NPS, and PF be included?

Yes, include retirement-focused savings such as EPF, NPS, PPF, and existing retirement investments as current savings or future contributions where appropriate.

Can I retire early with this calculator?

Yes. Reduce the retirement age and check how much corpus and monthly SIP are required. Early retirement usually needs a much larger corpus.

How often should I review my retirement plan?

Review at least once a year and after major changes in salary, expenses, dependents, market assumptions, or retirement age.

Retirement corpus calculator with inflation

How much do you need for retirement?