Retirement
Retirement Corpus Calculator
How large a corpus a given retirement income requires.
Your figures
Corpus required
₹8,05,22,070
- First-year income needed
- ₹38,48,563
- Equivalent in today's money
- ₹2,51,07,162
- Real return assumed
- 0.94%
- Corpus as a multiple of first-year spending
- 20.92×
A useful sanity check against rules of thumb such as "25× expenses".
- The corpus is sized to be fully consumed by the end of the period, leaving nothing for an estate. Add a legacy target if you want capital preserved.
How this is calculated
Corpus = present value of a growing annuity: (A ÷ (r − g)) × [1 − ((1 + g) ÷ (1 + r))^n]
Works backwards from the income you want. Enter the monthly income in today’s money and the calculator sizes the corpus needed to pay it, indexed to inflation, for as long as you specify.
Assumptions used
- General inflation6%
- Post-retirement return7%
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
Book a consultation