What is a Retirement Corpus Calculator?
A Retirement Corpus Calculator is a free online tool that helps you calculate retirement corpus needed, monthly sip required to retire and years your money will last after retirement. FinCalc Pro offers India's most accurate Retirement Corpus Calculator with instant results, detailed charts, and step-by-step breakdowns — completely free with no login required.
Retirement Corpus Calculator Formula
Corpus needed depends on: monthly expenses at retirement, expected return post-retirement, and years in retirement. SIP needed depends on years to retirement and expected return.
How to Use Retirement Corpus Calculator
- Enter your current monthly expenses
- Enter expected inflation rate (6-7% for India)
- Enter your current age and retirement age
- Enter expected return on investment during accumulation
- Click Calculate to see required corpus and monthly SIP needed
Retirement Corpus Calculator — Example
Current Expenses: ₹50,000/month | Retirement Age: 60 | Current Age: 30 | Inflation: 6% | Return: 12% → Corpus Needed: ₹8.5 Cr | Monthly SIP: ₹15,000
Benefits of Using Retirement Corpus Calculator
- Know exactly how much corpus you need for retirement
- Find out monthly SIP to start today
- Accounts for inflation impact on future expenses
- Helps plan early retirement (FIRE)
Frequently Asked Questions — Retirement Corpus Calculator
How much corpus do I need to retire in India?
A general rule is to have 25× your annual expenses as retirement corpus (4% withdrawal rule). For ₹50,000/month expenses, you need approximately ₹1.5 crore at today's value, but accounting for inflation at retirement, the actual corpus needed could be ₹5-10 crore.
At what age should I start retirement planning?
The earlier the better. Starting at 25 vs 35 can make a 3× difference in the required monthly SIP, thanks to the power of compounding. Even small amounts started early grow substantially by retirement.
What return rate should I assume for retirement planning?
For accumulation phase (working years): assume 10-12% for equity-heavy portfolio. For distribution phase (retirement): assume 7-8% for balanced portfolio. Always use conservative estimates to avoid shortfall.