Retirement corpus required
₹7,64,27,465
To fund ₹2,87,175 a month from age 60 for 25 years.
Retirement Corpus Calculator
Estimate the retirement corpus you will need and compare it with the corpus your current savings and monthly investments are projected to build.
About a minute
Updated 8 Sept 2026
Results dashboard
Projected corpus at retirement
₹9,30,05,290
About 122% of the requirement on these assumptions.
Projected surplus
₹1,65,77,825
You are ahead of the estimated requirement.
Monthly investment needed
₹19,089
To exactly meet the requirement, alongside your existing savings.
Monthly expense at retirement
₹2,87,175
Today's expense grown at 6% for 30 years.
Total you will invest
₹90,00,000
₹25,000 a month for 30 years.
A retirement corpus calculator inflates today's monthly expense to your retirement date, values it as an income stream for your retirement years, and compares that requirement with what your current savings and monthly investments are projected to grow into. Returns and inflation are assumptions, not guarantees, so the gap matters more than the exact figures.
Visual breakdown
A visual view of your calculation.
Interactive charts arrive here soon.
Year-wise corpus projection
Estimated corpus at each age until retirement.
| Age | Invested so far | Projected corpus |
|---|---|---|
| 31 | ₹3,00,000 | ₹14,31,316 |
| 32 | ₹6,00,000 | ₹19,12,543 |
| 33 | ₹9,00,000 | ₹24,49,457 |
| 34 | ₹12,00,000 | ₹30,48,502 |
| 35 | ₹15,00,000 | ₹37,16,868 |
| 36 | ₹18,00,000 | ₹44,62,576 |
| 37 | ₹21,00,000 | ₹52,94,577 |
| 38 | ₹24,00,000 | ₹62,22,856 |
| 39 | ₹27,00,000 | ₹72,58,555 |
| 40 | ₹30,00,000 | ₹84,14,103 |
| 41 | ₹33,00,000 | ₹97,03,370 |
| 42 | ₹36,00,000 | ₹1,11,41,830 |
| 43 | ₹39,00,000 | ₹1,27,46,746 |
| 44 | ₹42,00,000 | ₹1,45,37,381 |
| 45 | ₹45,00,000 | ₹1,65,35,227 |
| 46 | ₹48,00,000 | ₹1,87,64,261 |
| 47 | ₹51,00,000 | ₹2,12,51,237 |
| 48 | ₹54,00,000 | ₹2,40,26,002 |
| 49 | ₹57,00,000 | ₹2,71,21,859 |
| 50 | ₹60,00,000 | ₹3,05,75,966 |
| 51 | ₹63,00,000 | ₹3,44,29,778 |
| 52 | ₹66,00,000 | ₹3,87,29,549 |
| 53 | ₹69,00,000 | ₹4,35,26,884 |
| 54 | ₹72,00,000 | ₹4,88,79,361 |
| 55 | ₹75,00,000 | ₹5,48,51,221 |
| 56 | ₹78,00,000 | ₹6,15,14,137 |
| 57 | ₹81,00,000 | ₹6,89,48,079 |
| 58 | ₹84,00,000 | ₹7,72,42,267 |
| 59 | ₹87,00,000 | ₹8,64,96,249 |
| 60 | ₹90,00,000 | ₹9,68,21,091 |
Smart Insights
Generated from the numbers you entered — no guesswork.
- On these assumptions you are ahead by about ₹1,65,77,825 — enough to consider retiring earlier or spending more.
- Inflation at 6% turns today's ₹50,000 monthly expense into ₹2,87,175 by retirement.
- Your existing savings alone are projected to grow to ₹2,28,92,297; monthly investments add about ₹7,01,12,993.
- Delaying by a few years cuts compounding time at the most valuable end. Starting earlier does more than investing more later.
What is the Retirement Corpus Calculator?
What the tool does, who it is for and what it cannot tell you.
Retirement planning has two halves that are easy to confuse. The first is how much you will need: a sum large enough to pay for decades of living costs that keep rising after you stop earning. The second is how much you will have: whatever your current savings and monthly investments compound into by the time you retire.
This calculator computes both. It inflates today's monthly expense to your retirement year, then values the whole retirement period as an inflation-adjusted income stream to get the corpus required. Separately, it compounds your existing savings and monthly investments to give the corpus projected, and reports the gap between the two.
Because both halves rest on assumptions about returns and inflation, the value is in the comparison rather than the precision. Re-run it with a lower return and a higher inflation figure, and plan for the less comfortable answer.
How does the Retirement Corpus Calculator work?
Each step the calculator runs, in plain language.
- 1
Inflate today's expense
Your current monthly expense is grown at the assumed inflation rate over the years remaining until retirement.
- 2
Value the retirement years
The inflated annual expense is discounted over your retirement years at the real return — the post-retirement return adjusted for inflation — giving a corpus whose withdrawals keep pace with prices.
- 3
Project what you will have
Existing savings compound at the pre-retirement return, and monthly investments are added month by month.
- 4
Report the gap and the fix
The projected corpus is compared with the requirement, and the monthly investment needed to close any shortfall is calculated.
What to enter in each field
The exact figure each input expects, so the result means what you think it means.
- Today's monthly expense
- The cost of the lifestyle you want in retirement, priced at today's rates. Exclude EMIs that will have ended and children's education.
- Current retirement savings
- Only money genuinely earmarked for retirement — EPF, NPS, mutual funds, deposits. Do not include your home if you intend to live in it.
- Expected return before retirement
- Reflect your actual asset mix. An equity-heavy portfolio justifies a higher figure than a deposit-heavy one.
- Expected return during retirement
- Usually lower, because portfolios become conservative once withdrawals begin.
- Expected inflation
- Drives the required corpus more than anything else. Medical inflation typically runs higher than general inflation.
- Years to fund in retirement
- Plan for a long life. Underestimating this is far more damaging than overestimating it.
Retirement Corpus Calculator formula
The exact maths behind every number on this page.
Required corpus = annual expense at retirement × [1 − (1 + real)^−n] ÷ real, where real = (1 + post-retirement return) ÷ (1 + inflation) − 1
- Annual expense at retirement
- Today's monthly expense inflated to retirement, × 12
- real
- Return during retirement adjusted for inflation
- n
- Years of retirement to fund
- Projected corpus
- Current savings compounded plus the future value of monthly investments
Using the real return values the corpus as an income stream that itself rises with inflation, so spending power stays constant through retirement.
Retirement Corpus Calculator calculation example
Age 30, retiring at 60, ₹50,000 monthly expense today, ₹10,00,000 saved, ₹25,000 invested monthly, 11% pre-return, 7% post-return, 6% inflation, 25 retirement years.
- 1Years to retirement30
- 2Monthly expense at 60₹50,000 × 1.06³⁰ ≈ ₹2,87,000
- 3Real return in retirement(1.07 ÷ 1.06) − 1 ≈ 0.94%
- 4Projected corpus₹10,00,000 compounded plus 30 years of ₹25,000 SIP
The calculator shows the required corpus, the projected corpus, the gap, and the monthly investment needed to close it.
Important assumptions
What this calculation includes, and what it leaves out.
- Returns and inflation are the constant annual rates you enter. Real markets and prices do not behave that way, and sequence of returns can materially change outcomes.
- Monthly investments stay flat for the whole period. If you increase them with your salary, the projection understates your corpus.
- The required corpus assumes withdrawals rise with the inflation rate entered and that the corpus is exhausted at the end of the retirement years funded.
- Where the post-retirement return is below inflation, the real return is negative and the required corpus rises sharply — that is arithmetic, not an error.
- Taxes on investment gains and withdrawals, pension income, rental income, one-off expenses and medical emergencies are not modelled.
- No legacy or estate is provided for; add to the corpus separately if you intend to leave one.
Benefits
Why people use this calculator before signing a loan.
Turns a vague worry into a number
You get a target corpus and a monthly figure to aim at, not just a feeling.
Takes inflation seriously
Both the future expense and the withdrawals during retirement are inflation-adjusted.
Shows the cost of waiting
Change your current age by five years and the required monthly investment jumps.
Financial tips
Practical guidance to act on your result.
- Re-run the projection with a return two points lower — if the plan still works, it is robust.
- Increase your monthly investment with every salary rise; a flat amount loses ground to inflation.
- Count EPF and NPS balances in current savings so the picture is complete.
- Keep separate medical cover. Health costs are the most common reason retirement plans fail.
Frequently asked questions
Short, direct answers to the questions we hear most.
Related calculators
Keep planning with tools that pair well with this one.
SIP Calculator
Calculate SIP returns and see how your monthly investments could grow.
NPS Calculator
Project a possible NPS retirement corpus from monthly contributions.
EPF Calculator
Project your provident fund corpus from monthly contributions.
Inflation Calculator
Estimate future costs and the changing purchasing power of money.
SWP Calculator
See how long a corpus supports a fixed monthly withdrawal.
Disclaimer
CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.