Retirement Corpus Calculator

How much do you actually need saved by the day you stop working?

Retirement isn't the finish line. It's the part of life you finally get to spend exactly the way you want to.

Slow mornings. Long lunches with people who matter. A calendar with nothing on it except what you choose to put there.

The only real question is whether your money can keep up with that life for as long as you're living it.

That's what this calculator is built to answer. Not a guess — a number, built around your age, your life expectancy, and how you want your money invested.

Your current age

Life expectancy (age)

Retirement period: 25 years

Life expectancy should be greater than your current age.

Monthly expense at the start of retirement

₹ per month

Your equity – debt allocation at retirement

Equity 60% Debt 40%

Retirement corpus you'll need

₹4.49 Cr

₹4,49,44,421

Retirement period

25 years

Blended return (post-tax)

9.80%

Real return (post-inflation)

3.58%

Assumptions we've used

Your portfolio mix

60% Equity / 40% Debt

Equity return (post-tax)

12% p.a.

Debt return (post-tax)

6.5% p.a.

Inflation

6% p.a.

Withdrawals

Start of each month

Fund lasts until

Age 85

Unlike a rough rule of thumb, this corpus is sized to fully deplete by your life expectancy — not to last forever — using the equity-debt mix you choose above.

SEE THE FULL WORKINGS

Retirement period (life expectancy − current age)25 years

Equity contribution (60% × 12%)7.20%

Debt contribution (40% × 6.5%)2.60%

Blended post-tax return9.80%

Real rate of return (blended − 6% inflation)3.58%

Nominal monthly rate used0.294%

Monthly expense at start of retirement₹2,25,000

Retirement corpus required (present value)₹4,49,44,421

This is an illustrative estimate based on the assumptions above, not investment advice. Actual returns, inflation, tax rules, and your own life expectancy will vary.

Stress-test this corpus with me

KAUSHIK KAR, CFP® Structured financial planning for high-income professionals, HNIs, and NRIs.

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Kaushik Kar, CFP® is an AMFI Registered Mutual Fund Distributor (ARN: 270609). Mutual fund investments are subject to market risks; read all scheme-related documents carefully. This website is for informational purposes only and does not constitute investment advice or a solicitation to buy or sell any security.