Retirement Corpus Calculator

How much corpus do you need to retire comfortably in India?

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Current Age30 yrs
Retirement Age60 yrs
Life Expectancy85 yrs
Monthly Expense Today₹50,000
Annual Inflation6 %
Post-Retirement Returns7 %

Corpus Required at Retirement

4.02 Cr

Monthly expense inflated to ₹2,87,175/mo at age 60

How it works

Your today's monthly expense of ₹50,000 grows at 6% inflation over 30 years. The inflated amount is used to calculate the lump sum (annuity PV) that generates that income for 25 years at a 7% return.

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How this calculator works

This calculator answers the most important question in personal finance: how much money do I actually need to retire? The math works in two steps. First, it inflation-adjusts your current monthly expenses to what they will cost when you retire. At 6% annual inflation, ₹50,000 today becomes ₹2.7 lakh per month in 30 years. Second, it computes the lump sum (called the corpus) that, invested at your chosen post-retirement return rate, will produce that inflated monthly income for your entire retirement period. The formula used is the present value of an annuity: Corpus = Annual Withdrawal × [1 − (1 + r)^−n] / r Where r is your post-retirement annual return and n is the number of retirement years. Why this matters in India: most people dramatically underestimate how much they need because they forget to account for inflation compounding over 20–30 years. ₹1 Crore sounds large, but at 6% inflation it loses half its purchasing power in just 12 years. Pro tip: Use a post-retirement return of 6–8% (FD/debt-heavy portfolio) rather than the 12% you might earn during accumulation — your risk tolerance typically decreases after retirement.

Frequently Asked Questions

How much corpus do I need to retire in India?⌄

It depends on your lifestyle, retirement age, and inflation. A common rule of thumb is 25–30x your annual expenses at retirement (the "safe withdrawal rate" approach). Our calculator does the precise math based on your specific inputs — typically ₹2–5 Crore for a middle-class Indian household retiring at 60.

What return should I assume after retirement?⌄

Use 6–8% for a conservative debt-heavy portfolio (FDs, bonds, senior savings schemes) or 7–9% for a balanced fund. Avoid using equity returns (12%+) for post-retirement calculations — you need stability, not growth.

Does this account for inflation?⌄

Yes. The calculator inflates your current monthly expense at your chosen rate to find what it will cost at retirement age, then calculates the corpus needed to sustain that inflated amount for the full retirement period.

What is a safe retirement corpus in India?⌄

For someone spending ₹50,000/month today and retiring in 30 years at 6% inflation, the corpus needed is approximately ₹6–8 Crore. This assumes 7% post-retirement returns and a 25-year retirement. Use this calculator to get your personalised number.

Should I include EPF and NPS in my corpus calculation?⌄

Yes — the corpus this calculator shows is your total target. Subtract your expected EPF, NPS, gratuity, and any pension income to find how much you still need to build through SIPs and other investments.