Retirement corpus calculator
Find the corpus you actually need to stop working, with inflation applied to your spending as well as your returns — and the monthly investment that gets you there.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Your age and Retire at
The accumulation window. Every year you add here does more than any change to the return assumption.
- Monthly spending today
What you spend now, not what you think you will spend then. The tool inflates it for you, and doing that in your head reliably understates it.
- Plan until age and Inflation
How long the money must last, and at what rate costs rise. Plan to at least 85 — running out at 82 is the failure mode nobody plans for.
- Already invested
Existing retirement money. It compounds for the whole window, so it does disproportionate work.
Worked example: Thirty-two, spending ₹60,000 a month
You are 32, plan to retire at 60, spend ₹60,000 a month today, and want the money to last until 90. Inflation 6%, returns 12% while working and 7% afterwards.
What to enter
- Your age
- 32
- Retire at
- 60
- Monthly spending today
- ₹60,000
- Plan until age
- 90
- Inflation
- 6%
What it shows you
- That spending at 60
- ≈ ₹3.07 lakh a month
- Annual need at 60
- ≈ ₹36.8 lakh
- Corpus required
- ≈ ₹9 crore
- Monthly SIP needed
- ≈ ₹32,600
- Starting 5 years later
- ≈ ₹60,000 a month
₹60,000 inflated for 28 years
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Risk & Psychology11 minGoal-based asset allocationThe decision that matters more than every stock pick combined — how much equity, decided by what the money is for rather than by how you feel.
- Market Basics11 minActually starting: your first portfolioA concrete, defensible way to begin — what to buy first, how much, in what order, and the mistakes that make the first year unnecessarily expensive.
- Risk & Psychology10 minBuilding a portfolio that survivesHow many stocks, correlation, concentration versus diversification, and rebalancing without wrecking your returns.
- Risk & Psychology14 minHolding the part that is meant to lagYear three of a strong run, and every conversation about the portfolio is a conversation about the part that has done nothing. It is being judged against the best line on the page, which is the one comparison under which it can never look sensible.
- Market Basics8 minMulti-asset allocation funds: diversification in one schemeOne fund that holds equity, debt and gold together, rebalancing between them for you. What SEBI requires it to hold, why it gives a smoother ride, and the tax quirk that depends on its equity level.