About the Retirement corpus calculator
A retirement corpus is the savings meant to pay your expenses after you stop working. This calculator inflates today’s monthly expenses to the year you retire, then divides a year of those expenses by the share of the corpus you expect to withdraw each year.
How the Retirement corpus calculator works
Corpus = Monthly expenses at retirement × 12 ÷ withdrawal rate
Expenses grow at your inflation rate each year until retirement. A 4% withdrawal rate, for example, needs a corpus of 25 years’ expenses.
It is a scenario, not a safe-withdrawal promise: returns, inflation after retirement and how long you live all change the real answer.
Worked example
- Monthly expenses today
- ₹50,000
- Years until retirement
- 25
- Annual inflation
- 6%
- Assumed annual withdrawal rate
- 4%
Example inputs
- Illustrative retirement corpus
- ₹6,43,78,060.8
- Monthly expenses at retirement
- ₹2,14,593.54
- Annual expenses at retirement
- ₹25,75,122.43
Calculated result
Why use a Retirement corpus calculator?
- Get a first estimate of the size of corpus to aim for.
- See how much inflation raises future expenses.
- Test how the withdrawal rate changes the corpus.
Retirement corpus calculator FAQs
Where does the 4% figure come from?
It is a rule of thumb from US research on how much could be withdrawn each year from a mixed portfolio for about 30 years. It is not an Indian rule or a guarantee; use your own assumption.
Should I include rent or a home loan EMI?
Include expenses you expect to continue in retirement. Leave out loans that will be repaid before you retire.
How do I reach the corpus?
Use the goal planning or SIP calculator with the corpus as the target to estimate a monthly investment.
Does it include EPF, NPS or a pension?
No. Subtract the corpus those are expected to provide, or the income they will pay, from what you need.