Retirement corpus calculator

Find out how large a retirement corpus you need, and the monthly SIP that gets you there.

Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.

Your current age

30 years

Target monthly expense after retirement, in today’s money (₹)

Age at retirement

60 years

Age until which you expect to live

85 years

Inflation

5.32% p.a.

Expected return during retirement

7% p.a.

Expected return while building the corpus

12% p.a.

to maintain ₹50,000 a month in today’s terms through retirement (from age 60 to 85), accounting for 5.32% inflation, you would need a corpus of about ₹3,34,97,451 — built by investing about ₹9,490 a month from now until retirement. Verify this corpus actually supports your target monthly expense

Next steps

See the SIP that builds this corpus Verify this corpus supports your target expense

Tip: don’t just use your current expense as-is

Base the “target monthly expense” on what you’ll actually spend after retirement, not your current spending unchanged — some costs typically fall away or shrink by then (a home loan EMI that’s finished, children’s education and other dependent costs, daily commuting) while others may rise (healthcare). Most people find a reasonable retirement budget is somewhat lower than their current one, but this is a personal estimate only you can make well.

How this is calculated

Three steps: (1) your target expense is inflated from today’s value to what it will actually cost in rupee terms at your retirement date; (2) the corpus required is sized using the same present-value-of-annuity math as the retirement withdrawal calculator — a level, non-inflation-adjusted withdrawal during retirement, kept consistent with that calculator on purpose; (3) the required monthly SIP is the accumulation-phase contribution (see the SIP calculator) that reaches that corpus by your retirement date. Two different return assumptions are used deliberately — a higher one while building the corpus (often equity-heavy) and a more conservative one while drawing it down.

What does "corpus" mean?

Corpus just means the total pot of savings you need by retirement — a term used often in Indian retirement planning, but it simply means "your savings" at that point in time.

Frequently asked questions

Why should I reduce my current expense estimate rather than use it as-is?

Some costs typically stop or shrink by retirement — a home loan EMI that has finished, children’s education and other dependent-related costs, daily commuting — while others, like healthcare, can rise. Using your unchanged current expense as the retirement target tends to overstate what you will actually need, sometimes significantly.

Does the required corpus account for inflation during retirement itself, or just before it?

Only before retirement — your target expense is inflated up to your retirement date, but the corpus is then sized assuming a level, non-inflation-adjusted monthly withdrawal after that, the same assumption used by the retirement withdrawal calculator. Real prices will keep rising during retirement too, so this is a starting-point estimate, not the final word.

Why does this use two different expected-return rates?

The rate while you’re still working and building the corpus (often equity-heavy, so typically assumed higher) is usually different from the more conservative rate you’d target once you’re retired and drawing the corpus down, so this calculator lets you set each separately rather than using one rate throughout.