How does this calculator estimate retirement corpus?

It inflates your desired retirement-year expenses for inflation, then computes the corpus needed to fund those expenses over the retirement years using a real-return annuity formula.

Does it consider inflation and returns?

Yes — you can enter expected annual return and inflation; the calculator uses them to project savings growth and required corpus.

Can I see how my savings grow year-by-year?

Yes — the calculator plots projected accumulated savings each year until retirement.

Retirement Calculator

Estimate the retirement corpus you will need, project your savings at retirement based on current savings and monthly contributions, and compare the two to see a shortfall or surplus. Adjust expected returns and inflation to model multiple scenarios.

Current Age (years)

Retirement Age (years)

Current Savings / Corpus (₹)

Monthly Contribution (₹)

Expected Annual Return (%)

Expected Annual Inflation (%)

Years in Retirement (estimate)

Desired Annual Expense at Retirement (₹) — today

What this does

Action	Outcome
Project savings	Shows projected accumulated savings each year until retirement.
Estimate required corpus	Inflates desired expense to retirement year and computes corpus required to fund it for the chosen retirement years using a real-return annuity.

When to use this calculator

Use this calculator when planning retirement goals — to check whether your current savings and monthly contributions are sufficient, or to compute how much more you need to save.

How it works (plain explanation)

The calculator projects your current savings forward using the expected annual return (compounded monthly) and monthly contributions. It inflates your desired annual retirement expense to retirement year using inflation. The required corpus to fund that expense over the retirement years is calculated using the real-return annuity formula (adjusting returns for inflation). Results show projected corpus, required corpus, shortfall/surplus, and the monthly contribution required to meet the target if different.

Assumptions & notes

Contributions are assumed to be made at the end of each month.
Returns are compounded monthly for projection; inflation is applied yearly to expense.
This is an estimate — taxes, different asset returns, lump-sum expenses, and changing returns/inflation over time are not modelled in detail.

Frequently asked questions

Can I change return & inflation assumptions? Yes — adjust expected annual return and inflation fields and re-run the calculation to test scenarios.

How is required corpus computed? The desired annual expense at retirement (inflated) is treated as a level withdrawal each year. Using a real return (adjusting for inflation), the calculator computes the present value (at retirement) of those withdrawals over the retirement years.

What if real return is zero or negative? If the real return is close to zero, the calculator uses a simpler sum (expense × years) to avoid division by near-zero; negative real returns increase required corpus significantly and should be interpreted carefully.

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Disclaimer: This calculator is for educational purposes only and does not constitute financial, tax or investment advice. Assumptions made here may not reflect your exact situation. Consult a qualified adviser for personalised planning.