Retirement Corpus Calculator
Find out how big a retirement corpus you need. Enter your current expenses, ages and assumptions to see the inflation-adjusted savings target for retirement.
Formula last reviewed 4 August 2026 · How we verify our calculators
Corpus needed (inflation-adjusted)
- Monthly expense at retirement
- ₹2,87,175
- 25× annual expenses (quick rule)
- ₹8,61,52,368
Updates live as you type
Frequently asked questions
It inflates your current expenses to your retirement age, then computes the present value at retirement of an inflation-adjusted income stream lasting through your life expectancy, using a real (inflation-adjusted) return.
Inflation compounds over decades, so the same lifestyle costs far more in the future. The corpus must fund rising expenses for your entire retirement, which can span 20–30 years.
Retirees typically shift to safer, lower-yielding assets. A conservative post-retirement return — often slightly above inflation — keeps the estimate realistic and your income sustainable.
Start early and invest regularly through SIPs, EPF, NPS and PPF. Time and compounding do the heavy lifting — the earlier you begin, the smaller the monthly investment required.
₹50,000 a month today. ₹2,87,175 a month by the time you retire.
That's not a lifestyle upgrade — it's the same spending power, thirty years out, once 6% inflation has run its course. Currently 30, planning to retire at 60, with a life expectancy of 85 and an assumed 8% post-retirement return, this calculator first inflates today's ₹50,000 monthly expense forward to what it will actually cost at retirement — ₹2,87,175, more than five times today's number, purely from three decades of compounding inflation. It then works out what lump sum, earning that 8% return, could fund a rising version of that expense every month for the next 25 years of retirement: ₹6,81,82,471 — nearly ₹6.8 crore.
A second number, for a sanity check
Alongside the precise figure, the calculator also shows the well-known "25× annual expenses" shortcut — the same rule of thumb behind the 4% safe-withdrawal guideline used by the FIRE calculator on this site. The two numbers won't match exactly, and that's expected: the 25× rule is a flat multiple that ignores your specific retirement length and return assumptions entirely, while the primary figure here accounts for both. Use the gap between them as a rough gauge of whether your own assumptions are running conservative or optimistic.
Why the target looks intimidating, and why that's the wrong takeaway
Decades of inflation mean the same lifestyle costs many multiples more by the time you need it, and the corpus has to support 20-30 years of ever-rising withdrawals rather than a single payout — which is exactly why the number looks large on first glance. What that number doesn't capture is how much of the work compounding does for you if you start early: consistent contributions through SIPs, EPF, NPS and PPF over three decades require a monthly amount far smaller than the size of the final corpus would suggest, since the bulk of the growth comes from time, not from any single large contribution. Treat the figure here as your concrete target, then work backwards through the SIP calculator to find the monthly investment that would actually close the gap by your planned retirement age.