Retirement calculator
Retirement Calculator: Estimate Your Corpus Need
Retirement planning in India often starts with a simple question: how large a corpus might cover your lifestyle once salary stops? This retirement calculator projects today's monthly expenses forward with an inflation assumption, then estimates a rough corpus for the years after you stop working. Use it as a planning frame, not a promise.
Adjust current expenses, inflation, years to retirement, and years after retirement below. The headline figure is a pre–post-retirement-returns estimate — educational and illustrative only, not investment or tax advice. Verify assumptions against your health cover, EPF/NPS, and family situation.
Rough retirement corpus (pre post-retirement returns)
₹10.30 Cr
Frequently asked questions
What does this retirement calculator estimate?
It inflates your current monthly expenses to retirement age, then multiplies by years you expect to live after retirement to produce a rough corpus need. It does not model post-retirement investment returns, pensions, or annuity income.
Why use inflation when planning retirement?
Prices rise over decades. An expense that feels comfortable today will cost more in 20–30 years. Planning with a realistic inflation assumption (often discussed around 5–7% in India) helps avoid underestimating the corpus you may need.
Is this corpus figure a guarantee or advice?
No. Results are illustrative educational estimates based on your inputs. They are not investment, tax, or retirement advice. Actual needs depend on healthcare, lifestyle, family support, pensions, and market returns.
How can I refine this estimate further?
Add known income sources (EPF, NPS annuity, rental income), stress-test higher inflation or longer retirement years, and pair this tool with SIP or goal calculators to plan the monthly saving habit needed to build the corpus.
Should I include healthcare costs separately?
Many planners treat healthcare as a rising cost bucket. Consider higher medical inflation than general inflation, plus adequate health insurance, when interpreting any corpus estimate.
Explore more: all calculators, the Goal Calculator, the NPS Calculator, and the retirement planning guide.