Retirement Corpus Calculator

• Years to retire Y = retirement age − current age
• Expense at retirement E = current expense × (1 + inflation)^Y
• Real post-retirement return rr = (1 + post) / (1 + inflation) − 1
• Corpus = E × 12 × [1 − (1 + rr)^(−N)] / rr (inflation-indexed annuity, N = years in retirement)
• Monthly SIP = (Corpus − existing × (1 + pre)^Y) × i / [((1 + i)^n − 1)(1 + i)]

The corpus must fund an income stream that itself rises with inflation, so the right discount rate is the real return — the post-retirement nominal return deflated by inflation — not the nominal one. Using the nominal rate is the single most common error in retirement planning and understates the corpus by 30–50%. The required SIP is then the annuity payment that grows the shortfall (after crediting existing savings) to that corpus by retirement.

1. 1.Years to retirement60 − 3228 years
2. 2.Years in retirement85 − 6025 years
3. 3.Inflated monthly expense60,000 × (1 + 6%)^28₹306,701
4. 4.Real return(1 + 7%) / (1 + 6%) − 10.943%
5. 5.Corpus (indexed annuity PV)E×12 × (1 − (1+rr)^−N) / rr₹81,624,206
6. 6.Required SIPshortfall × i / (((1+i)ⁿ − 1)(1+i))₹25,260

• • Expenses in retirement equal today's expenses inflated to the retirement date.
• • Withdrawals are made monthly and indexed annually to inflation.
• • No pension, rental income or terminal bequest is assumed.
• • Healthcare inflation typically exceeds general inflation — consider a higher figure.

Results are planning estimates generated in your browser. Nothing you enter is uploaded or stored. Verify material decisions with your lender, adviser or chartered accountant.