Retirement Corpus Calculator for India
Estimate how much money you may need when you retire—and how much more you may need to invest each month to work towards that target.
Use this free Retirement Corpus Calculator to estimate:
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Your projected monthly expenses at retirement
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The retirement corpus required at your retirement age
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The projected value of investments already set aside for retirement
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The projected value of your existing monthly retirement investments
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Your estimated retirement funding gap or surplus
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The additional monthly investment that may be required
Plan Your Retirement / Pension
Tell us about your retirement timeline and expenses.
Retirement timeline
Retirement lifestyle
Include expenses likely to continue after retirement. Exclude temporary commitments expected to end before retirement.
Existing funding and assumptions
The pre-filled assumptions are editable illustrations, not forecasts or guaranteed returns. Use a portfolio-level return assumption rather than the return of one investment. Taxes, costs and actual investor outcomes may differ.
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Your Retirement Estimate
Monthly expenses & corpus at Retirement
Estimated Monthly Expenses at Retirement
Estimated Monthly Expenses at Retirement
Projected value of investments
Projected value of investments
Estimated Corpus Required at Retirement
Estimated Corpus Required at Retirement
Projected value of existing SIP
Projected value of SIP
Total projected retirement funding
Total projected retirement funding
Funding Gap Label
Funding gap or surplus
Funding Gap
Retirement funded %
Funding Percent
Funding Status
Estimated additional monthly SIP needed
Additional SIP
The estimate assumes this starting amount increases annually by the step-up % selected above.
Results Summary
This calculator is a deterministic illustration. It does not model year-by-year market volatility, sequence-of-returns risk, changes in tax laws, major medical emergencies, long-term care, pension guarantees, property sales or large one-time retirement expenses. Actual outcomes may differ materially.
This estimate depends heavily on your assumptions. Review inflation, retirement age, expected returns, current retirement investments and expected retirement expenses carefully.
This Calculator is designed solely for educational purposes. It is not a substitute for professional financial advice or specific investment recommendations. For personalised financial planning and advice related to your contributions and investments, please consult a qualified financial advisor.
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What Is a Retirement Corpus?
A retirement corpus is the pool of money you may need at retirement to support future living expenses when regular salary or business income reduces or stops.
The corpus depends on:
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Current expenses
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Retirement age
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Life expectancy
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Inflation
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Investment returns before retirement
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Investment returns after retirement
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Existing retirement investments
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Monthly investments already earmarked for retirement
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Pension, annuity or other income, if any
Retirement Corpus Formula Used by This Calculator
The calculator first estimates your monthly expenses at retirement after inflation.
It then estimates the corpus required at retirement to support those expenses over your retirement years. Existing retirement investments and monthly contributions are projected to retirement age, and the remaining gap is converted into an additional monthly investment estimate.
The result is an illustration, not a guarantee.
How to Use This Retirement Calculator
Use realistic assumptions rather than optimistic ones.
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Enter current monthly household expenses.
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Adjust the percentage of expenses expected to continue after retirement.
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Enter existing retirement investments separately from general savings.
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Use conservative return assumptions.
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Review the result as a planning range, not a precise promise.
Pension Corpus Calculator
Many people use the phrase “pension corpus calculator” when they are trying to estimate how much money they may need for retirement.
This tool can help estimate the retirement corpus required to support your post-retirement expenses, after considering inflation, expected retirement age, life expectancy and existing retirement investments.
However, it does not calculate employer pension, government pension, annuity income or scheme-specific pension benefits. If you expect pension income, that should be reviewed separately as part of a full retirement plan.
How Does the Retirement Calculator Work?
1. Estimate expenses at retirement
The calculator increases the selected monthly retirement expense by the inflation rate for the number of years remaining until retirement.
2. Estimate the retirement corpus needed
The projected first-year retirement expense is used to estimate the capital required to fund expenses from retirement until the selected planning age.
The calculation considers:
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The number of retirement years
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Expense inflation during retirement
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The illustrative post-retirement return
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The timing of annual withdrawals
3. Project existing retirement investments
Investments already earmarked for retirement are projected to the retirement age using the selected pre-retirement return.
Existing monthly investments are also projected, including any annual increase entered by you.
4. Calculate the funding gap
The projected value of existing retirement funding is deducted from the estimated corpus requirement.
5. Estimate the additional monthly SIP
Where a gap remains, the calculator estimates the additional starting monthly investment required to close it by the retirement age.
What Should You Include in Retirement Expenses?
Consider expenses such as:
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Household and utility costs
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Food and domestic support
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Healthcare and insurance
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Travel and leisure
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Housing maintenance
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Support for dependants
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Taxes and professional services
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A provision for irregular or unexpected costs
Exclude expenses that should end before retirement, unless you expect them to continue.
Assumptions That Matter Most
Retirement age
A later retirement age gives more years to invest and fewer years to fund. An earlier retirement age usually requires a larger corpus.
Estimate until age
A longer life expectancy assumption increases the corpus required. Use a conservative estimate rather than a short horizon.
Retirement expenses
Your retirement expense estimate should reflect the lifestyle you expect, not only your current minimum spending.
Inflation
Healthcare, travel, domestic support and lifestyle costs may rise differently from headline inflation.
Pre-retirement return
This affects how much your current investments and monthly investments may grow before retirement.
Post-retirement return
This affects how long the corpus may support retirement expenses. Use a realistic portfolio-level assumption.
What This Calculator Does Not Fully Model
This calculator provides a deterministic illustration. It does not fully model:
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Year-by-year market volatility
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Sequence-of-returns risk
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Changes in tax laws
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Major medical emergencies
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Long-term care
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Changes in family responsibilities
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Large one-time retirement expenses
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Pension or annuity guarantees
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Sale of property or a business
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Future changes in inflation or investment returns
A complete retirement plan should also consider emergency reserves, insurance, asset allocation, taxation, estate planning and other financial goals.
Common Mistakes to Avoid
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Underestimating retirement expenses
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Ignoring healthcare inflation
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Assuming very high investment returns
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Counting your primary residence as retirement corpus without a sale or income plan
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Ignoring taxes and product costs
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Using the same money for retirement and other goals
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Not reviewing the estimate after income, health or family changes
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Assuming pension income without checking terms
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Retiring early without allowing for a longer retirement period
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Taking excessive investment risk close to retirement
What if the Required SIP Is Too High?
A high required SIP means the current inputs may not be aligned with the retirement target.
Possible actions include:
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Start with the amount you can afford
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Increase retirement investments gradually
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Review retirement age assumptions
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Review expected retirement expenses
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Allocate existing investments more clearly
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Use future bonuses or lump sums toward retirement
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Reduce lower-priority expenses or goals
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Re-test the estimate with more conservative return assumptions
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Frequently Asked Questions
What is a retirement corpus?
A retirement corpus is the pool of money accumulated to help fund living expenses after regular employment or business income reduces or stops.
How much retirement corpus do I need in India?
There is no universal retirement-corpus number. The amount depends on your expenses, retirement age, planning age, inflation, investment returns, existing investments, pension income and desired retirement lifestyle.
What is a retirement corpus calculator?
A retirement corpus calculator estimates the amount you may need at retirement and the additional monthly investment required to work toward that goal.
Is this a pension corpus calculator?
This tool can help estimate the retirement corpus required to support your post-retirement expenses, after considering inflation, expected retirement age, life expectancy and existing retirement investments.
However, it does not calculate employer pension, government pension, annuity income or scheme-specific pension benefits. If you expect pension income, that should be reviewed separately as part of a full retirement plan.
How is retirement corpus calculated?
The calculator projects future retirement expenses after inflation, estimates the corpus required to support those expenses and subtracts projected existing retirement savings.
What inflation rate should I use for retirement planning?
Use an inflation assumption that reflects your likely long-term household expenses. Healthcare, lifestyle and city-specific costs may rise differently from headline inflation.
Should I include my house in retirement corpus?
Usually, your primary residence should not be treated as retirement corpus unless you plan to sell, downsize or generate income from it.
Is this a pension corpus calculator?
You can use it to estimate a retirement corpus even if you expect pension income, but pension income should be considered separately in a full retirement plan.
Does this calculator guarantee retirement readiness?
No. The result depends on assumptions about inflation, returns, expenses, taxation and life expectancy. Actual outcomes can differ.
What return should I assume?
Use a post-tax expected return for the overall portfolio rather than the highest return earned by one investment. The assumption should reflect the portfolio’s asset allocation and risk.
Can I use this calculator for early retirement?
Yes. Select the proposed early-retirement age and a sufficiently long planning age. Early retirement generally requires a larger corpus because there are fewer accumulation years and more retirement years to fund.
Important Information
This calculator is provided for educational and illustrative purposes. It does not constitute personalized investment advice, tax advice, legal advice or insurance advice.
The result depends on the inputs and assumptions selected by the user. Actual outcomes may differ materially. Investment returns are not guaranteed, and investments in securities markets are subject to market risk.
Last reviewed: June 2026
Want Help Reviewing Your Retirement Plan?
A calculator can estimate the retirement corpus required, but a full retirement plan should also consider cash flow, asset allocation, risk profile, taxation, health expenses, insurance, existing investments and how your goals may change over time.
If you want help understanding whether your retirement plan is on track, you can send us a short enquiry and we will suggest the most relevant next step if we believe My Wealth Guide can help.