Retirement Corpus Calculator – Plan Your Retirement Savings
Estimate how much you will have at retirement and what monthly income that corpus could support. Enter your current age, retirement age, savings, monthly contributions, expected return and inflation. Free, no sign-up.
Retirement Corpus Calculator
Estimate your retirement corpus from current savings and monthly contributions. See projected corpus at retirement and the monthly income it can support.
How the retirement corpus is calculated
The calculator grows your current savings and monthly contributions at the expected return until retirement age. It then estimates the monthly income you could draw using a real (inflation-adjusted) rate over a 25-year horizon. The result is a projection, not a guarantee—actual returns and inflation will vary.
Building a retirement corpus: what you need to know
Retirement planning starts with a simple question: how much will I need when I stop working? The answer depends on your desired lifestyle, healthcare costs, inflation and how long you expect to live. This retirement corpus calculator helps you work backwards: you specify when you want to retire and how much you can save, and it projects the corpus you will have and the monthly income that corpus could support.
The earlier you start, the more time compounding has to work. A 30-year-old who saves 10,000 per month at 8% return will have a much larger corpus at 60 than a 45-year-old saving the same amount. The calculator shows this clearly: increase your monthly contribution or extend your working years, and watch the corpus grow. Use it to test different scenarios—retiring at 55 vs 60, saving 15% vs 20% of income—and see how each choice affects your future income.
Inflation is a critical input. Over 20 or 30 years, prices rise significantly. The calculator uses your inflation assumption to convert the corpus into real terms when estimating monthly income. If you assume 5% inflation, the monthly income figure represents purchasing power in today's rupees or dollars. That helps you judge whether the projected income will be enough for your needs.
The monthly income estimate assumes you draw down the corpus over about 25 years. It is a simplified model; in practice, you might use a bucket strategy, annuities or adjust withdrawals based on market performance. Still, the calculator gives you a ballpark: if it says you can draw 50,000 per month in today's terms and you need 80,000, you know you need to save more, work longer or adjust your expectations.
Pair this tool with our Retirement Calculator for pension drawdown scenarios, the SIP Calculator to model mutual fund contributions, and the Inflation Calculator to see how today's expenses might grow. Retirement planning is a long game; use these tools to stay on track and adjust as life changes.