Retirement Corpus Calculator
Estimate the corpus you need at retirement and the monthly SIP required to get there. Free.
A 4% safe withdrawal rate is a commonly cited starting point, not a guarantee — actual sustainable withdrawal depends on market returns during retirement, sequence-of-returns risk, and your actual expense pattern.
Retirement Corpus Calculator
A retirement corpus calculator estimates the total savings you need at retirement to sustain your current lifestyle (adjusted for inflation) for your expected retirement years, and the monthly SIP required to build that corpus.
Future annual expense = Current monthly expense × 12 × (1 + inflation)^years to retirement; required corpus is derived from that expense sustained over retirement years; required monthly SIP is solved from the standard SIP future-value formula against (required corpus − existing corpus's future value).
Input: ₹60,000/month current expense, 25 years to retirement, 6% inflation, 12% expected return, ₹15 lakh existing corpus
Result: Required monthly SIP to close the gap between the inflation-adjusted retirement corpus and the future value of existing savings
Why does inflation matter so much for a 25-year retirement plan?
At 6% inflation, expenses roughly quadruple over 25 years — planning with today's expense figure without adjusting for inflation would badly undersize the required corpus.
How is this different from the FIRE calculator?
This targets a conventional retirement age and uses your entered assumptions directly; FIRE framing typically targets an earlier retirement and often applies the 25×-expenses / 4%-withdrawal heuristic instead.
Retirement Corpus Calculator: how it works
A retirement calculator sizes the corpus required to sustain your expenses through retirement, inflating today's costs to the retirement date and drawing them down over the expected years.
Formula
Required corpus ≈ annual expense at retirement × a withdrawal multiple derived from the post-retirement return and inflation.