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Retirement Corpus Calculator
Inflate today’s monthly expenses to retirement, then divide by a withdrawal rate to size a corpus. Not a pension quote.
Last updated 2026-09-18
Annual spend at retirement
₹19,24,281
Corpus needed
₹4,81,07,032
How it works
Expense at retirement = monthly × 12 × (1 + inflation)^years. Corpus ≈ annual expense / withdrawal rate.
How to use this calculator
- Enter the inputs shown above (amount, rate, tenure, income, or other fields).
- Read the live results — they update as you type.
- Check the formula, worked example, and assumptions on this page before you decide.
Formula
Expense at retirement = monthly × 12 × (1 + inflation)^years. Corpus ≈ annual expense / withdrawal rate.
Worked example
₹50,000 a month, 20 years, 6% inflation, 4% withdrawal → expense about ₹19.3 lakh a year and corpus about ₹4.8 crore.
Reading the result
Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.
See also: calculation methodology and disclaimer.
Frequently asked questions
A 4% withdrawal rate is the same idea as 25 × annual expenses. It is a heuristic, not a promise that the corpus lasts.
Assumptions and limits
- Withdrawal rate is a planning assumption (often 3–4%), not a guaranteed safe rate.
- Does not include NPS annuity rules, EPF, or medical inflation separately.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
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