Retirement Corpus Calculator

The Retirement Corpus Calculator helps Indian investors determine: (1) how large a corpus they need at retirement, and (2) how much they need to invest monthly via SIP to reach that target. It takes into account your current age, target retirement age, life expectancy, current monthly expenses, expected inflation, and pre- and post-retirement investment returns. Your expenses are inflated to the retirement date before sizing the corpus. The corpus calculation uses the SWP (Systematic Withdrawal Plan) present value formula — the corpus must be large enough that monthly withdrawals during retirement (for 25–30 years) draw it down to zero exactly at life expectancy.

Expenses at Retirement = Current Monthly Expenses × (1 + Inflation)^(Years to Retire)
Corpus Needed = Expenses at Retirement × (1 - (1+r)^(-n)) / r

Where:
- r = Post-retirement monthly return (Return% / 12 / 100)
- n = Retirement months (Life Expectancy - Retirement Age) × 12

SIP to Close Gap = Shortfall × r / ((1+r)^N - 1) / (1+r)
N = Months to retirement

Retirement Corpus

The total lump sum you need at retirement to fund all living expenses for the rest of your life through systematic withdrawals.

SWP (Systematic Withdrawal Plan)

A facility to withdraw a fixed monthly amount from your mutual fund corpus during retirement, allowing the remaining corpus to continue earning returns.

Life Expectancy

The estimated age to which you plan financially. India's average is 72, but financial planners recommend planning to age 85–90 to avoid outliving your money.

4% Rule

A retirement planning guideline stating you need 25× your annual expenses as corpus, assuming 4% annual withdrawal rate. Indian planners use 3.5–4% due to higher inflation.