What is Retirement Corpus Calculator?
Retirement Corpus Calculator helps you estimate a retirement corpus for the spending and duration you enter.
The main result is required corpus at retirement, with a breakdown of first year annual expenses. The formula, example and assumptions below explain how to interpret it.
How to use Retirement Corpus Calculator
Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.
- Gather current monthly retirement expenses (₹), years until retirement, years in retirement, annual expense inflation (%) and annual return during retirement (%). Use values from the same situation or reporting period.
- Replace the example current monthly retirement expenses with your own value, then complete the other fields. Check the displayed units.
- Select Calculate and read required corpus at retirement with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
- Enter current monthly retirement expenses in ₹, at least 0. Decimals are accepted.
- Enter years until retirement, at least 0 and at most 70. Use a whole number.
- Enter years in retirement, at least 1 and at most 70. Use a whole number.
- Enter annual expense inflation in %, at least 0 and at most 100. Decimals are accepted.
- Enter annual return during retirement in %, at least 0 and at most 100. Decimals are accepted.
Retirement Corpus Calculator: a worked example
With the inputs below, the result is ₹4,72,39,974.45 (required corpus at retirement). Follow the example, then replace these illustrative values with your own.
| Input or output | Example value |
|---|---|
| Current monthly retirement expenses (₹) | ₹50,000 |
| Years until retirement | 20 |
| Years in retirement | 30 |
| Annual expense inflation (%) | 6 % |
| Annual return during retirement (%) | 7 % |
| Required corpus at retirement | ₹4,72,39,974.45 |
| First year annual expenses | ₹19,24,281.28 |
Understanding the Retirement Corpus result
Read required corpus at retirement alongside first year annual expenses. These describe different parts of the same calculation.
Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.
- Example First year annual expenses: ₹19,24,281.28
Retirement Corpus Calculator: assumptions and common mistakes
A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.
- Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
- Annual expenses are paid at each year end, starting one year after retirement. No pension, bequest or contingency reserve is included.
- A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.
For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.
