Why does the required corpus look so large?

It accounts for inflation raising your expenses every year of retirement, over a retirement period that could easily span 20–30 years — small annual inflation compounds into a much larger number over decades.

What return should I assume post-retirement?

Most planners suggest a more conservative allocation after retirement (a mix of debt and equity) since capital preservation matters more than growth — adjust the assumed return to match your actual post-retirement investment plan.

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Savings & investments

Retirement Calculator

Project your future monthly expenses and the corpus required to fund them through retirement, adjusted for inflation.

Your details

Current monthly expense ₹50,000

Current age 30 yrs

Retirement age 60 yrs

Years to plan for post-retirement 25 yrs

Expected inflation 6%

Expected post-retirement return 9%

Retirement corpus needed

Corpus needed at retirement

₹0

Monthly expense at retirement₹0

Years to retirement₹0

Required monthly SIP to reach it (12% return)₹0

How the required corpus is estimated

Future monthly expense = Current expense × (1+inflation)^(years to retire)
Corpus = Future monthly expense × annuity factor, using the real return (post-retirement return adjusted for inflation) over the retirement years

This estimates the lump sum needed at retirement so that withdrawing a (rising, inflation-linked) monthly amount doesn't exhaust the corpus before the end of the planned retirement period, given your assumed post-retirement investment return.

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Figures are estimates for planning purposes only and do not constitute financial advice.