Retirement Corpus Calculator
Estimate required savings for a comfortable retirement with inflation adjustment
Retirement Details
Quick Scenarios:
Required Retirement Corpus
Needed at retirement to maintain lifestyle
Retirement Planning
Years to Retirement
30 years
How to Reach Your Goal
Required Monthly SIP
₹13,133
Invest monthly for 30 years @ 12% returns
Required Lumpsum Today
₹15,32,082
One-time investment @ 12% returns
Retirement Planning Formula
The calculator uses the perpetuity formula adjusted for inflation to ensure your corpus lasts throughout retirement:
- •Rule of thumb: 25-30x annual expenses for retirement
- •Safety margin: Plan for 85 years to account for longevity risk
- •Inflation hedge: Real returns (returns - inflation) must be positive
Retirement Planning Tips
Start Early
Compounding works magic over 20-30 years
Diversify
Mix of equity, debt, PPF, NPS for balanced risk
Review Annually
Adjust SIP with salary hikes and life changes
💡 Pro Tips for Retirement
NPS Benefit: ₹50K extra deduction under 80CCD(1B) for retirement savings
Healthcare Buffer: Add 20-30% extra for medical expenses post-retirement
Debt Reduction: Clear all loans before retirement to reduce expenses
Passive Income: Consider rental income, dividends for steady cash flow