Retirement Corpus Calculator
Estimate the total retirement corpus required to maintain lifestyle after retirement.
Your Retirement Plan
Required Corpus at Retirement
₹0
Existing Corpus at Retirement
₹0
Surplus / Shortfall
₹0
Monthly Expense at Retirement
₹0
Current / Required Monthly SIP
₹0 / ₹0
Emergency Buffer (12 Months)
₹0
Corpus Growth Projection
Savings Gap Analysis
Corpus During Retirement
Note: Expenses grow by inflation every year. Each year: withdraw expenses first, then returns are earned at 8% post-retirement rate on the remaining corpus.
Detailed Breakdown
Years to Retirement
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Retirement Duration
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Total SIP Invested
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Total Returns
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Calculation Methodology
1. Future Expense Calculation
Future Monthly Expense = Current Monthly Expense × (1 + Inflation Rate)^Years to Retirement
2. Required Corpus Calculation
Required Corpus = (Future Monthly Expense × 12 × Retirement Duration) / (1 + Post-Retirement Return - Inflation)
If Emergency Fund enabled: Add 12 months of future expenses
3. Projected Corpus from SIP
Future Value = Existing Corpus × (1 + Return Rate)^Years + SIP Contributions with Step-up
If LTCG Tax enabled: Reduce gains by 12.5%
Key Assumptions
- Post-retirement return assumed at 8% (conservative)
- SIP increases by step-up rate annually
- Life expectancy fixed at 85 years
- LTCG tax applied only on gains, not principal