Retirement Corpus Calculator
Unlike a quick FIRE estimate, this calculator models your retirement corpus year by year, factoring in your current savings, monthly SIP with step-up, an optional emergency buffer, and how your expenses actually get drawn down after you stop working. The result is a required corpus figure, plus whether your current savings rate gets you there.
What is Retirement Corpus Calculator?
A retirement corpus calculator estimates the total savings needed at retirement to sustain your expenses for the rest of your life, accounting for inflation before retirement and a post-retirement return rate during it. It then compares that requirement against your current trajectory, current savings plus ongoing SIP, to show a clear surplus or shortfall.
Retirement Planning Rarely Happens for Just One Person
This calculator projects one person’s retirement corpus. In most families, both spouses are planning retirement simultaneously, often with different ages, savings rates, and expense assumptions, and semi-dependent parents may also need to be factored into the household’s post-retirement expenses.
How WealthNest.AI Helps Beyond This Calculator
WealthNest.AI tracks retirement savings, EPF, NPS, Mutual Funds, PPF, across every member of your family in one place, so you can see whether your household’s combined retirement plan actually holds up, not just one individual’s projection.
See this alongside every other account your family holds, all in one place. Download the WealthNest.AI app to get started.
Frequently Asked Questions
The FIRE calculator gives a quick estimate using the 25 times expenses rule. This calculator models your specific savings trajectory and post-retirement drawdown year by year, including step-up SIPs and an optional emergency buffer.
If enabled, it adds 12 months of future expenses to your required corpus, so your retirement plan includes a cash cushion beyond regular living costs.
A conservative 8% post-retirement return is used by default, reflecting a more cautious asset allocation typical after you stop actively earning.
Yes, it's an optional toggle. When enabled, a 12.5% LTCG rate is applied to the gains portion of your projected corpus.
Yes. Once your retirement accounts are aggregated, WealthNest shows your real current corpus alongside what this calculator says you'll need.