Retirement Calculator — Corpus Planning
Work out how much you need to save each month to retire comfortably. This calculator takes your current age, desired retirement age, monthly expenses, and expected inflation to determine the corpus you will need. It then calculates the monthly investment required to reach that number based on your expected returns. You can also factor in existing savings, EPF balance, and any expected pension to get a realistic picture of where you stand and what you still need to build.
Retirement Calculator
Retirement planning
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How much corpus do I need for retirement in India?
A common rule of thumb is to accumulate 25-30 times your annual expenses at the time of retirement. If you expect to spend Rs 50,000 per month (Rs 6 lakh per year) at retirement, you would need Rs 1.5 to 1.8 crore. However, this must be adjusted for inflation — if retirement is 20 years away, that Rs 6 lakh in today's terms becomes roughly Rs 19 lakh at 6% inflation, pushing the corpus to Rs 4.8 to 5.7 crore.
At what age should I start planning for retirement?
As early as possible. Starting at 25 instead of 35 can cut your required monthly investment nearly in half, thanks to the extra decade of compounding. Even small amounts invested in your twenties grow disproportionately large by retirement. If you are already in your 30s or 40s, do not let that discourage you — starting now is still far better than postponing further. The calculator shows exactly how timing affects the numbers.
Should I factor in pension or EPF in my retirement plan?
Yes, if you have an EPF balance or expect a pension from your employer or NPS, include it as part of your retirement income. This reduces the additional corpus you need to build. However, be conservative — pension schemes can change, and EPF alone rarely covers full retirement expenses. Treat any guaranteed income as a base and plan for the gap separately through mutual funds, stocks, or other investments.