Retirement

Retirement Corpus Calculator

The honest answer to 'how much do I need to retire?' — accounts for inflation, your years in retirement, and different returns before vs after retiring. Outputs a monthly SIP target.

Inputs

yr
18 yr70 yr
yr
31 yr75 yr
yr
61 yr100 yr
₹
₹5.0 K₹5.00 L
%
2%12%
%
6%20%
%
4%12%
Corpus needed at 60
₹6,81,82,471
to cover 25 years of retirement
Start a monthly SIP of
₹19,316
for 30 years at 12% to reach the corpus
Future monthly expense at 60
₹2,87,175
in tomorrow's rupees, equivalent to today's ₹50,000

Wealth journey to retirement

SIP of ₹19,316/mo · 12% return · X-axis = your age

How this works

  1. 1. Your monthly expenses are inflated to retirement age (compounding at inflation rate)
  2. 2. A corpus is calculated such that withdrawing the inflation-adjusted yearly expense for your retirement years works out — using a real return (post-retirement return minus inflation)
  3. 3. Working backwards, the monthly SIP needed at your pre-retirement return is computed using the future-value-of-annuity formula

The 25× rule (sanity check)

Popular FIRE rule: corpus should be roughly 25× your yearly expenses at retirement. This calculator does it more precisely — accounting for finite life expectancy and post-retirement returns instead of assuming perpetual 4% safe withdrawal.

Realistic assumptions

Watch-outs