Retirement Corpus Calculator

Why plan for retirement?

Inflation and longer life expectancy mean you need a sizeable retirement corpus to maintain your lifestyle after you stop earning. If you retire at 60 and live to 85, you may need 25 years of expenses—and those expenses will be in future rupees, not today’s. This calculator tells you the monthly SIP required to reach your target amount by retirement, so you can start early and adjust if needed.

Consider inflation when setting the target: use our Inflation Calculator to see how much your current annual expense will become in 20 or 30 years, then use that as your corpus target. A rough rule of thumb is 25–30× your annual expense at retirement, but your number may vary. Use a conservative return assumption; equity has historically delivered over the long term but is volatile.

Example: ₹2 Cr target, 10% return, 20 years

If your target retirement corpus is ₹2 crore and you expect 10% annual return with 20 years to retirement, you would need to invest approximately ₹26,500 per month (SIP) to reach that goal. So over 20 years you would invest about ₹63.6 lakh, and the rest would come from growth. Adjust the inputs above for your situation—try a higher or lower return assumption and see how the required SIP changes. Use the Inflation Calculator to set a target that accounts for future expense levels.

Benefits of Using This Calculator

A retirement corpus calculator tells you how much to save each month (SIP) to reach your target by retirement, so you can act early and adjust if needed. It helps you set a realistic target (use an inflation calculator for future expenses) and see the impact of return assumptions and years to retirement.

Use it to plan and track progress. If the required SIP seems high, try increasing years to retirement (start earlier), or adjust the target. Combine with the Inflation Calculator to set the target in future rupees. Returns are not guaranteed; use a conservative assumption and review your plan periodically.

How to Use This Calculator

Enter your target retirement corpus (in today’s or future rupees—use the Inflation Calculator to convert current expense to future rupees if needed), the expected annual return on your investments (e.g. 10% for a mixed portfolio), and the number of years until retirement. The calculator shows the required monthly SIP.

Use a conservative return assumption; adjust the target using an inflation calculator for future expense needs. If the required SIP is too high, consider a longer horizon (start saving earlier) or a lower target. Review your plan every few years and increase SIP if your income grows.

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