Calculate the exact corpus you need to retire comfortably in India. Accounts for inflation, life expectancy, and post-retirement returns. Free retirement calculator.
Enter your details to calculate how much corpus you need to retire comfortably.
HOW IT WORKS
Set current age, target retirement age, and life expectancy. The retirement duration determines how large a corpus you need.
Enter monthly expenses in today's value, inflation rate, pre-retirement return (accumulation phase), and post-retirement return (withdrawal phase).
See the exact retirement corpus required and the monthly SIP to start today to build it — accounting for existing savings.
FAQ
The corpus is calculated by: (1) Projecting your current expenses forward with inflation to find future monthly expenses at retirement. (2) Calculating the present value of all monthly withdrawals over the retirement period at the post-retirement return rate. This gives the corpus needed on day 1 of retirement.
At retirement, you shift from aggressive equity to conservative debt/balanced investments. A realistic post-retirement portfolio (60% debt, 40% equity or similar) might earn 7-9% in India. Use 7-8% for conservative planning. Remember to use a rate lower than pre-retirement since risk tolerance reduces in retirement.
Yes. This calculator uses a real rate of return (post-retirement return minus inflation) to determine how long your corpus lasts. At 8% post-retirement return and 6% inflation, your real return is ~1.9% — which is what effectively grows your corpus in real terms.
India's average life expectancy is ~70 years, but you should plan for longer to avoid outliving your money. 85-90 years is a prudent planning assumption. The extra years may not happen, but the downside of underestimating is running out of money — far worse than having a surplus.
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