Retirement Corpus Calculator
Enter your age, monthly expenses and existing savings. The calculator grows your expenses with inflation to retirement, then shows the corpus you need and the monthly SIP to get there.
Personal Details
Your Existing Savings
Total of EPF, NPS, PPF, mutual funds, and other investments earmarked for retirement. Enter a negative number if you have net debt against retirement.
Return & Inflation Assumptions
Corpus you need at retirement
In , when you'll spend about a month
- Monthly SIP needed
- Gap to fill
How you get there
is covered by the savings you already have
Suggested conservative SIP mix
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Existing savings compound at the pre-retirement return rate. The required corpus is the present value, at the real (inflation-adjusted) post-retirement return, of yearly expenses that rise with inflation, with each year's withdrawal taken at the end of that year. The SIP mix caps PPF at ₹12,500/month (₹1.5L/yr limit). Results are indicative only.
What is a Retirement Corpus Calculator?
A retirement corpus calculator estimates how large a corpus you need by retirement to cover your expenses for the rest of your life without running out of money. It accounts for inflation (which erodes purchasing power), your post-retirement investment returns and your expected life span.
This calculator goes further by factoring in your existing retirement savings: EPF balance, NPS corpus, PPF, mutual fund investments, and any other assets earmarked for retirement. It compounds your current savings at the pre-retirement return rate, shows you how much they will grow to by retirement, and calculates only the additional monthly SIP needed to bridge the remaining gap.
Worked Example: Retiring at 60 on ₹50,000 a Month Today
Illustrative: you are 30, plan to retire at 60 and plan for a life expectancy of 85. You spend ₹50,000 a month and have ₹10 lakh already saved for retirement. Inflation is 6%, the pre-retirement return 10% and the post-retirement return 7%. These are the calculator's defaults except the ₹10 lakh of existing savings.
| Result | Value |
|---|---|
| Monthly expense at retirement | ₹2,87,175 |
| Required retirement corpus | ₹7,64,27,465 |
| Existing savings at retirement | ₹1,74,49,402 |
| Corpus gap | ₹5,89,78,062 |
| Additional monthly SIP needed | ₹28,364/mo |
Inflation does most of the damage. ₹50,000 today becomes about ₹2.87 lakh a month by 60, so the corpus you need is about ₹7.6 crore. The ₹10 lakh you already have grows to about ₹1.74 crore and cuts the SIP from ₹36,756 a month (with no savings) to ₹28,364.
The decision this informs is how much SIP to start now. If that is out of reach, the two levers you can test above are retiring a few years later and planning on lower expenses.
How to Use This Retirement Corpus Calculator
- 1
Enter your personal details
Current age, planned retirement age, and life expectancy. Planning to 85-90 is prudent: many people outlive the average, and running out of money late in life is the bigger risk.
- 2
Set your current monthly expenses
Enter today's expenses. The calculator inflates this to your retirement date using the inflation rate you specify to find your monthly expense at retirement.
- 3
Add your existing retirement savings
Enter the total of your EPF, NPS, PPF, mutual funds, and any other investments set aside for retirement. This reduces the gap and the SIP you actually need.
- 4
Set inflation and return assumptions
The default 6% inflation is a deliberately conservative long-run assumption (CPI inflation was 5.54% in Sep 2026, provisional; RBI's target is 4% ±2%). Pre-retirement return: 10-12% (equity-heavy). Post-retirement return: 6-8% (conservative, debt-heavy for capital protection).
- 5
View your gap and required SIP
The calculator shows the required corpus, how much your existing savings will grow to, the remaining gap, and the additional monthly SIP needed to bridge it.
How Much Do You Really Need? Age-Based Benchmarks
These benchmarks use this calculator's own formula with retirement at 60, life expectancy of 85, 6% inflation, 11% pre-retirement return and 7% post-retirement return. Enter the same inputs above and you will get the same numbers. Each cell shows the monthly SIP, rounded to the nearest ₹100, and below it the corpus needed at 60.
| Monthly Expenses (Today) | Start at 25 | Start at 30 | Start at 35 | Start at 40 |
|---|---|---|---|---|
| ₹30,000 | ₹14,100/mo corpus ₹6.1 Cr | ₹18,100/mo corpus ₹4.6 Cr | ₹23,600/mo corpus ₹3.4 Cr | ₹31,400/mo corpus ₹2.6 Cr |
| ₹50,000 | ₹23,600/mo corpus ₹10.2 Cr | ₹30,200/mo corpus ₹7.6 Cr | ₹39,300/mo corpus ₹5.7 Cr | ₹52,300/mo corpus ₹4.3 Cr |
| ₹80,000 | ₹37,700/mo corpus ₹16.4 Cr | ₹48,400/mo corpus ₹12.2 Cr | ₹62,900/mo corpus ₹9.1 Cr | ₹83,700/mo corpus ₹6.8 Cr |
| ₹1,00,000 | ₹47,100/mo corpus ₹20.5 Cr | ₹60,500/mo corpus ₹15.3 Cr | ₹78,600/mo corpus ₹11.4 Cr | ₹1,04,700/mo corpus ₹8.5 Cr |
SIP amounts assume 11% pre-retirement return, zero existing savings, a flat SIP with no step-up, and contributions at the start of each month. Your actual number may be lower if you already have EPF/NPS/PPF savings.
Key Principles of Retirement Planning
Inflation is the Biggest Risk
At 6% inflation, monthly expenses of ₹50,000 today become ₹1.6 lakh in 20 years. Your corpus has to keep pace with rising costs for the whole retirement, not only the first few years.
Existing Savings Matter
Your EPF, NPS, PPF, and mutual funds are already compounding. Including them in your plan shows the real gap rather than the worst case, and gives you a realistic SIP target.
Healthcare Costs Rise Faster Than Inflation
Medical costs usually rise faster than general inflation, and you use more healthcare in old age. Keep comprehensive health insurance and a separate healthcare buffer within your retirement corpus.
Starting Early Cuts the SIP You Need
Starting at 25 instead of 35 cuts the required monthly SIP by about 40% for the same retirement goal (see the table above). The ten extra years of compounding do most of the work.
Where to Park Your Retirement Corpus in India
EPF + VPF (8.25% for FY 2025-26)
Your mandatory EPF contribution earns 8.25% (the rate declared for FY 2025-26), one of the best risk-free returns available in India. VPF (Voluntary Provident Fund) lets you add more at the same rate; note that interest on employee contributions above the annual tax-free limit is taxable.
NPS (National Pension System)
Extra ₹50,000 NPS deduction (old tax regime only; formerly Section 80CCD(1B)) on top of the ₹1.5L limit under Section 123 / Schedule XV of the Income-tax Act, 2025 (formerly 80C). An aggressive lifecycle fund suits younger investors. NPS locks in until 60 but is one of the lowest-cost ways to get equity exposure in India: from April 2026 the investment management fee is slab-based, about 0.04%–0.12% of assets a year.
Equity Mutual Funds via SIP
For the growth portion of your retirement corpus, index funds (Nifty 50, Nifty Next 50) or flexi-cap funds via SIP are a common choice for this long-horizon money. LTCG above ₹1.25L is taxed at 12.5%, which is still lighter than FD interest taxation for most people.
PPF (for the conservative bucket)
PPF's 7.1% (rate for Oct–Dec 2026, revised quarterly) is fully tax-free under EEE status (exempt at investment, growth, and withdrawal). Max ₹1.5L/year, so the suggested SIP mix above caps PPF at ₹12,500/month. Ideal for the debt portion of your retirement plan if you're in the 30%+ tax bracket.
