retirement corpus calculator

Retirement Corpus Calculator for India

Plan your retirement with this comprehensive calculator that accounts for inflation, investment returns, and life expectancy in the Indian context.

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Your Retirement Details

Fill in your details to calculate the retirement corpus you'll need.

Current Age (years)

30

Planned Retirement Age (years)

60

Life Expectancy (years)

85

Current Monthly Expenses (₹)

Expected Annual Inflation Rate (%)

6%

Expected Annual Return Post-Retirement (%)

7%

Existing Retirement Savings (₹)

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Key Assumptions in Calculation

Monthly expenses increase with inflation until retirement

Post-retirement, corpus earns returns at specified rate

Withdrawals happen monthly at the beginning of each month

Corpus should last until life expectancy (no inheritance motive)

Your Retirement Plan

Based on your inputs, here's what you need for retirement.

Required Retirement Corpus

₹ 3,42,67,890

Total amount needed at retirement to sustain your lifestyle

Monthly Expenses at Retirement

₹ 1,60,357

Your monthly expenses adjusted for inflation at retirement age

Years of Retirement

25

Number of years your retirement corpus needs to last

Calculation Breakdown

Years until retirement 30

Inflation-adjusted return 0.94%

Monthly withdrawal at retirement ₹ 1,60,357

Existing corpus future value ₹ 38,06,793

Additional corpus needed ₹ 3,04,61,097

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How to Build Your Retirement Corpus

Based on your required retirement corpus, here are some investment strategies:

• Start a SIP in Equity Mutual Funds: For long-term growth to beat inflation
• Contribute to NPS: Get additional tax benefits under Section 80CCD(1B)
• Consider PPF/EPF: For the debt portion of your retirement portfolio
• Review your portfolio annually: Rebalance to maintain asset allocation
• Increase SIPs with salary hikes: Boost your retirement savings regularly

Retirement Planning Tips

Start early to benefit from compounding. Even a 5-year delay can require you to save 30-40% more monthly.

Tax-Efficient Investing

Utilize Section 80C, 80CCD(1B) for NPS, and 80D for health insurance to maximize tax savings.

Consider Retirement Housing

If you plan to downsize after retirement, factor in potential proceeds from selling your current home.

Disclaimer: This calculator provides estimates based on the inputs and assumptions provided. The results are for informational purposes only and should not be considered as financial advice. Returns on investments are subject to market risks. Please consult with a certified financial planner before making any investment decisions. The calculations assume constant inflation and returns, which may not reflect actual market conditions.