Retirement Corpus Calculator

Inflation is the single biggest driver of corpus size. ₹50,000 of monthly expenses today, inflated at 6% over 30 years, becomes about ₹2.87 lakh per month at age 60 — a 5.7× jump. To fund 25 years of retirement at that level using a conservative 7% post-retirement return and 6% inflation, you need a corpus of roughly ₹7.6 crore. Indian healthcare inflation typically runs 10–14%, well above CPI, so plan a separate buffer for medical costs.

A real return is the return your investments earn above inflation: real ≈ (1 + nominal) ÷ (1 + inflation) − 1. If your post-retirement portfolio earns 7% nominal and inflation runs 6%, your real return is just ~0.94%. Sizing the corpus using the real return correctly accounts for the fact that your withdrawals must rise each year to keep buying the same basket of goods. Skipping this step is the single most common reason DIY retirement plans under-shoot by 30–50%.

FIRE calculators usually apply the 4% safe-withdrawal rule (corpus = 25× annual expenses) on the day you retire and assume a long, US-style 30+ year horizon with a heavy equity tilt. This calculator instead uses the present-value-of-annuity method on real returns over your specific years-in-retirement, which fits the typical Indian planning window (retire 55–65, plan to 85–90) and handles a more conservative post-retirement allocation. For early-retirement scenarios, raise life expectancy to 95 and lower post-retirement return to 6%.

No — and no single-number calculator can. Sequence-of-returns risk is the danger of a poor market in the first 3–5 years of retirement permanently impairing your corpus, even if long-run average returns are fine. The standard mitigation is a bucket strategy: keep 2–3 years of expenses in liquid funds or a senior-citizen savings scheme, the next 5–7 years in conservative debt, and the rest in equity. The corpus this tool produces assumes a smooth average return; build a 10–15% buffer on top to absorb sequence risk.

This calculator gives a pre-tax corpus target — your actual after-tax withdrawals will be smaller. EPF withdrawal after 5 years of service is tax-free; PPF maturity is fully exempt (EEE). NPS allows 60% tax-free lump sum at 60, with the remaining 40% mandatorily annuitised (annuity income is taxable as salary). Equity mutual funds attract 12.5% LTCG above ₹1.25 lakh per year; debt funds and fixed deposits are taxed at slab rates. A simple rule: build the corpus 15–20% larger than this calculator suggests if a meaningful share will sit in taxable instruments.

Nothing leaves your browser. The calculation runs entirely client-side — no server call, no cookie, no analytics on your inputs. Refresh the page and the values reset to defaults.