Retirement Corpus Calculator
Find the amount you need saved by the day you retire, starting from what you spend each month now.
Retirement Corpus Calculator
Corpus you need
₹7,68,17,453.40
that is about 7.68 crore
- Monthly expenses when you retire₹2,87,174.56
- Years to go30
Works out in your browser. Nothing you type is sent anywhere.
In short: Retirement Corpus Calculator
Spending ₹50,000 a month today, and retiring in 30 years with 6% inflation, you would need about ₹2,87,174.56 a month by then. Funding that for 25 years on a return of 7% calls for a corpus of roughly ₹7,68,17,453.40 on the day you stop working.
What is Retirement Corpus?
A retirement corpus is the amount you need invested on the day you stop earning, so that it can pay your expenses for the rest of your life.
How is Retirement Corpus calculated?
First raise today's expenses by inflation to the year you retire. Then work out what pot would pay that amount every month for the years that follow, using the real return, which is what the pot earns above inflation. Using the real return is how rising expenses are allowed for.
- Cthe corpus needed on the day you retire
- Ethe monthly expense in the year you retire
- i_realthe monthly real return, which is the return above inflation
- nthe number of months the corpus must last
A worked example
| Your age now | 30 |
|---|---|
| Age you retire | 60 |
| Monthly expenses today | ₹50,000 |
| Inflation (% a year) | 6% |
| Years to fund after retiring | 25 years |
| Return after retiring (% a year) | 7% |
| Result | |
| Corpus you need | ₹7,68,17,453.40 |
| Monthly expenses when you retire | ₹2,87,174.56 |
| Years to go | 30 |
Every figure in this table is produced by the same calculation the tool above runs.
How to use this retirement corpus calculator
- Enter your age now and the age you plan to stop working.
- Enter what you spend in a typical month today, not what you earn.
- Set the inflation you expect and how many years the money must last.
- Enter the return you expect on the corpus after retiring, which should be cautious.
Questions people ask
Why use a real return instead of the plain one?
Because your expenses keep rising after you retire, so a pot that earns ten per cent while prices rise six per cent is really growing at about four. Using the real return handles rising expenses without adding another step. It is why the figure here is larger than a simple annuity sum.
What return should I assume after retiring?
Lower than before, because most people shift towards safer assets once the income stops. A figure close to a long-term deposit or a conservative hybrid fund is a common choice. Being cautious here is the cheapest insurance in the whole plan.
Does this include my EPF and NPS?
No, it tells you the total needed; it does not subtract what you already have coming. Work out your EPF and NPS balances separately and take them off the figure. The EPF and NPS tools on this site project both.
What about medical costs late in life?
They typically rise faster than general prices and arrive unevenly, so a plain monthly expense figure understates them. Many people add a separate health buffer on top of the corpus, or keep insurance running through retirement. Treat the number here as the baseline and not the whole plan.
Accuracy and sources
Estimate only. Not financial or tax advice.
Checked by the Daytoolz team on 16 October 2026. How we check our tools.
Next, people use
- Goal SIP CalculatorStart from the amount you need and the time you have
- NPS CalculatorSee what regular contributions to the National Pension System could build
- Inflation CalculatorSee what today's amount will cost in future
- SWP CalculatorSee how long your money lasts while you take a fixed amount out every month a...
- EPF CalculatorProject what your Employees Provident Fund balance will be by retirement