Retirement Corpus Calculator India – How Much Money Do You Need?
inflationcalculator.in Back to Dashboard

Retirement Corpus Calculator

Plan your financial freedom. Calculate the corpus needed to sustain your lifestyle post-retirement.

1. Your Timeline
Current Age 30 Years
Retirement Age 60 Years
Age you stop earning active income
Life Expectancy 85 Years
Corpus must last until this age
2. Lifestyle Costs
Current Monthly Expense ₹50000
per month
Inflation Rate (%) 6%
Average cost of living increase
3. Investments
Current Savings/Corpus (₹) ₹500000
invested today
Pre-Retirement ROI
12%
Post-Retirement ROI
7%
Reality Check: To maintain your current ₹50,000 lifestyle, you will need ₹2.8L per month when you retire, due to inflation.
Target Corpus Required
₹0
Monthly SIP Required
₹0
To bridge the gap
Years to Invest 0
Years in Retirement 0
Assumption: This calculator assumes your expenses remain constant in “real terms” (adjusted for inflation) throughout retirement. It assumes you consume the entire corpus by the end of your life expectancy (zero legacy).

Why is the Target Corpus so high?

Retirement planning often shocks people because of Inflation. A cup of chai that cost ₹2 in the year 2000 costs ₹15 today. Similarly, your monthly household expense of ₹50,000 will likely rise to over ₹2-3 Lakhs in 25 years just to buy the same goods.

Note: This calculator assumes you rely primarily on your investment corpus. Government pensions like EPF, NPS, or annuities should be considered separately and can reduce the required corpus.

Key Variables Explained

  • Inflation: The silent wealth killer. We recommend assuming 6% inflation for India.
  • Pre-Retirement ROI: The returns you get while working. Since you can take risks (Equity/Mutual Funds), 10-12% is a fair assumption.
  • Post-Retirement ROI: Once retired, you shift to safer debt instruments (FDs/SCSS/Debt Funds), so returns drop to 6-7%.

The “Real” Rate of Return

During retirement, if your investments earn 7% but inflation is 6%, your Real Rate of Return is roughly 1%. This is why you need a large corpus—your money needs to outpace the rising cost of living even while you are withdrawing from it.

Retirement Planning Tools

Achieving this corpus requires a mix of investments. Check our other tools to plan specific instruments:

Scroll to Top