About this Retirement Calculator
A retirement corpus calculator estimates how large your investment pot may need to be so monthly expenses can continue after you stop earning a salary. It also back-solves a monthly SIP illustration.
Planning early reduces the monthly amount required because compounding has more years to work. Pair this page with our SIP and inflation calculators for a full picture.
How to use this calculator
- Enter your current essential monthly expenses.
- Set years left until you want to retire.
- Choose inflation and expected investment return.
- Note the inflated expense, target corpus (25× annual expenses) and suggested SIP.
Formula used
Future monthly expense = E × (1 + i)^t. Annual need = future monthly × 12. Corpus ≈ 25 × annual need. SIP is solved from the standard future-value-of-annuity formula to reach that corpus.
Practical tips
- Increase SIPs when income rises so the plan stays on track.
- Separate retirement money from short-term goals and loans.
- As retirement nears, gradually reduce equity risk rather than selling everything at once.
Frequently asked questions
What is a retirement corpus?
It is the total invested wealth you aim to have at retirement to fund living expenses without a salary.
Why use 25× expenses?
It is a simple planning shortcut related to a ~4% initial withdrawal idea. Your safe rate may differ based on asset mix and longevity.
Should I include rent and healthcare?
Yes. Use realistic essential expenses. Healthcare often rises faster than general inflation.
Is the suggested SIP guaranteed to work?
No. It assumes steady returns and contributions. Review yearly and adjust for life changes.
