Retirement Corpus Calculator
Estimate the retirement corpus you need and the monthly SIP to build it — accounts for inflation before retirement and returns during retirement.
How it works
Expense at retirement = today's expense × (1 + inflation)^years-to-retire. Corpus = annual expense × [(1 − (1 + r)^−N) ÷ r] × (1 + r), where r = (1 + post-retirement return) ÷ (1 + inflation) − 1 and N = years in retirement. Required SIP inverts the SIP growth formula over the years to retirement.
Retirement planning has two stages, and this tool models both. First it inflates your current monthly expense to what the same lifestyle will cost at retirement, then it sizes a corpus that can fund an inflation-rising income throughout retirement using the real (inflation-adjusted) return your money earns after you stop working. Finally it solves for the monthly SIP that builds that corpus by your retirement date at your pre-retirement return. Small changes in inflation or retirement age move all three numbers a lot, so treat the output as a planning estimate.
Worked example
A 30-year-old spending ₹50,000 a month who retires at 60 will need about ₹2.87 lakh a month by then, after 6% inflation. Funding that rising income for a 25-year retirement (returns of 7%) needs a corpus of roughly ₹7.7 crore — built with about ₹21,900 invested every month from now at a 12% return.
Frequently asked questions
Why is the corpus so large?
Two forces stack up: decades of inflation push your future monthly expense far above today's, and the corpus must sustain that higher, still-rising spending for 20–30 years of retirement. Both effects compound, so the headline figure is naturally big.
What is the real return in retirement?
It is your post-retirement return adjusted for inflation — (1 + return) ÷ (1 + inflation) − 1. Using the real return lets the corpus fund an income that keeps rising with prices, rather than a fixed amount that loses value each year.
How often should I revisit this?
Review it every year or two, and whenever your income, expenses or retirement plans change. Adjust the monthly SIP so you stay on track as your real numbers replace the assumptions.
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Educational estimate only, not investment advice. Mutual-fund and market-linked returns are not guaranteed and past performance does not predict the future. Verify current fund details and consult a SEBI-registered adviser.