Retirement Corpus Calculator

Find the retirement corpus you'll need to sustain your desired monthly expenses, adjusted for inflation, throughout retirement.

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Enter your current monthly expense, time to retirement, inflation, and expected returns to find your required retirement corpus.
₹
years
%
%
years

Your result

₹5,71,11,047.49

Corpus needed at retirement

Monthly expense at retirement (inflation-adjusted)₹2,14,593.54

AI explanation

Formula

Inflates today's expense to retirement, then sizes the corpus via the present-value-of-annuity formula using the real (inflation-adjusted) rate of return

Worked example

₹50,000/month today, 25 years to retirement, 6% inflation, 7% post-retirement return, 25-year retirement

Worked example: ₹50,000/month today, 25 years to retirement, 6% inflation, 7% post-retirement return, 25-year retirement
FieldValue
Current monthly expense50000
Years to retirement25
Expected inflation rate6
Expected post-retirement return7
Years in retirement25
Monthly expense at retirement (inflation-adjusted)214593.54
Corpus needed at retirement57111047.49

Assumptions

  • Uses the real rate of return (post-retirement return net of inflation) to size a corpus that sustains an inflation-adjusted expense throughout retirement.
  • Does not model a bequest amount (money left over for heirs) or the risk of poor market returns in the early years of retirement (sequence-of-returns risk).
  • Informational only.

Frequently asked questions

Why does my monthly expense grow so much by retirement?

Inflation compounds over long periods — even a modest 6% annual inflation roughly quadruples costs over 25 years, which is why the "future monthly expense" figure looks much larger than today's.

What is the "real rate of return"?

The rate of return net of inflation — it reflects how much your purchasing power actually grows, which is what matters when sizing a corpus meant to sustain expenses over a long retirement.

Does this account for unexpected expenses like medical costs?

No — this is a simplified planning estimate based on your regular monthly expense. Many financial planners recommend adding a separate buffer for healthcare and emergencies.

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Sources

  • National Pension System — Pension Fund Regulatory and Development Authority (PFRDA). Effective 01-01-2004, reviewed 13-09-2026.

This calculator provides a general estimate only and does not constitute financial or retirement planning advice. Consult a certified financial planner for a comprehensive retirement plan.

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