Retirement Corpus Calculator

Corpus needed = Annual post-retirement expenses / Post-retirement return (real, after inflation). For ₹60,000 monthly expenses today, 6% inflation and 6% post-retirement real return, the corpus should be ~₹12-15 crore. Calculator factors life expectancy and inflation in the formula.

Long-term inflation in India averages 5-6% (CPI). Healthcare inflation runs higher at 7-8%. Use 6% blended. The calculator applies 6% by default and allows 4-8% for scenario planning. Lower inflation assumption builds smaller corpus but covers fewer contingencies.

For 25-30 year retirement horizon, start with 60% equity (30% large-cap MF + 20% mid-cap + 10% small-cap) + 30% debt + 10% gold. Shift to 40% equity + 50% debt + 10% gold by retirement age 55. Calculator accepts the expected return as a blended number — apply your asset mix.

Common drawdown strategies: (1) Bucket strategy — 1 year liquid, 3-5 year income, 10+ year growth; (2) Systematic Withdrawal Plan (SWP) on mutual funds; (3) Annuity purchase from NPS / insurance on part of the corpus. Calculator assumes a constant real-return drawdown — adjust for your specific plan.

EPF + NPS + PPF together typically build 30-50% of the required corpus for a salaried employee with steady income. The remainder must come from equity mutual funds (long-horizon SIPs), rental income, or post-retirement business income. Calculator surfaces the shortfall at your current pace.

Yes — pick a target corpus (e.g., ₹5 crore) and let the calculator show you the monthly SIP today to reach that corpus. This is often more motivating than computing the corpus from expenses backward. Calculator supports both forward and reverse calculations.