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Retirement corpus

How much you need at retirement to fund your lifestyle, and the monthly SIP to get there.

What you enter

  • Your age
  • Retirement age
  • Plan until age
  • Monthly expenses today
  • Inflation
  • Return before retirement
  • Return after retirement
  • Retirement savings today
  • Yearly SIP increase (for step-up)

How this is calculated

  • Expenses in the first retirement year = monthly expenses × 12 × (1 + inflation)^years to retirement.
  • Corpus = present value at retirement of yearly withdrawals that rise with inflation, taken at the start of each year, while the corpus earns the post-retirement return.
  • Monthly SIP = (corpus − savings grown at the pre-retirement return) ÷ future value of ₹1 a month.

More in this category

✺ FIRE (financial independence)⇣ Safe withdrawal rate▥ EPF (Provident Fund)▦ NPS (National Pension System)◫ 401(k) / employer-matched plan✓ Gratuity

These calculators show illustrative outcomes only. Returns are not guaranteed. Tax rules and rates change; verify them before acting. Nothing here is financial, tax or legal advice.