Retirement Planning
· Last reviewed July 2026Retirement Corpus Calculator
Calculate your retirement corpus for India. Based on your current age, retirement age, monthly expenses, and expected returns — find out how much to save and your monthly SIP needed.
Corpus Needed at Retirement
₹1.0 Cr
Sustains for 25 years at ₹80,000/mo
Savings at Retirement
₹3.0 Cr
Shortfall
₹0
Corpus Build-up Timeline
Get this calculated on your actual portfolio
Your retirement gap is already calculated in FundSageAI once you upload your CAS — see your projected corpus vs target with real portfolio data.
What is 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, expected monthly expenses at retirement, and post-retirement investment return. 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.
How to use this tool
Enter your Current Age, Retirement Age, and Life Expectancy (typically 80–85 for India planning).
Enter your Monthly Expenses at Retirement in today's rupees — the calculator uses this to size the corpus.
Enter Current Savings and your expected pre-retirement and post-retirement return rates.
Read: Corpus Needed, Savings at Retirement, Shortfall, and Monthly SIP required to close the gap.
The Formula
Corpus Needed = Monthly Withdrawal × (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
Key Terms
- 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.
Key Benefits
- ✓Precise corpus estimation using actuarial SWP formula rather than rule-of-thumb multiples.
- ✓Accounts for both the accumulation phase (pre-retirement) and drawdown phase (post-retirement).
- ✓Corpus build-up chart shows whether you're on track year by year.
- ✓Immediate action: converts a long-term retirement goal into a concrete monthly SIP amount.
Practical Example
Age: 30 | Retire at: 60 | Live to: 85 Monthly expenses at 60: ₹80,000 Post-retirement return: 8% Corpus Needed: ₹1.07 Crore Current savings ₹10 lakh grow to ₹1.74 Cr by 60 No shortfall — but if savings = ₹0, SIP needed = ₹2,800/month at 12%
FundSageAI Dashboard
Do more with your real portfolio data
- 1Retirement corpus projection from actual portfolio
- 2SWP sustainability simulation
- 3Corpus shortfall alert and SIP suggestions
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These calculators use assumptions.
Your portfolio uses facts.
Upload your CAMS or KFintech CAS statement to get real XIRR, true corpus values, actual fund overlap, and personalised insights — all pre-filled with your data.