Retirement Corpus Calculator
Find out how much you need to retire comfortably, adjusted for inflation, and the monthly SIP to get there.
How to Use Retirement Corpus Calculator
- Enter your current and retirement ages. Set your present age and the age at which you plan to stop working.
- Provide your monthly expenses and expected inflation. Use today’s cost of living as the base; the calculator inflates it to find the much larger amount you’ll need at retirement.
- Set return assumptions. Choose a pre‑retirement return (e.g., 12% for equity) and a post‑retirement return (e.g., 7% for a conservative mix).
- Click Calculate. You’ll see your future monthly expense, the total corpus required, a FIRE number (25× annual expenses at retirement), and the monthly SIP you need to start today to reach that corpus.
Benefits of Retirement Corpus Calculator
- Inflation‑adjusted annuity calculation ensures your corpus will last through retirement, not just cover the first year.
- Shows both the corpus needed and the SIP required to get there, turning a daunting future number into an actionable monthly savings target.
- Includes the FIRE number as a secondary benchmark, aligning with the popular financial independence movement.
- All assumptions are editable, so you can model different inflation, return and life expectancy scenarios.
Frequently Asked Questions
What is the 25× FIRE rule?
The 25× rule states that you need a corpus equal to 25 times your annual expenses to retire comfortably, based on a 4% safe withdrawal rate. The calculator displays this alongside the inflation‑adjusted corpus.
How does inflation affect my retirement corpus?
A ₹50,000 monthly expense today can balloon to over ₹2.5 lakh per month in 30 years at 6% inflation. The calculator accounts for this, ensuring the corpus estimate is realistic for the future.
What post‑retirement return should I assume?
Most planners suggest 6–8% for a post‑retirement portfolio that is largely in debt instruments with some equity. A lower estimate provides a margin of safety.
Is Retirement Corpus Calculator free and private?
Yes — it is 100% free, needs no sign‑up, and everything runs in your browser; your data never leaves your device.
Disclaimer: Projections are mathematical. Actual returns and inflation will vary. Not financial advice.