Retirement Corpus Calculator
Corpus needed to fund post-retirement expenses, inflation-adjusted.
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About this calculator
Retirement planning fails most often from ignoring sequence-of-returns risk and medical inflation. This calculator sizes a corpus whose real withdrawals stay level across your retirement horizon.
A common sanity check: annual expense ÷ 4% (the '4% rule'). For Indian inflation-adjusted plans, many advisors prefer 3–3.5% safe withdrawal assumptions.
Formula
PV of growing annuity: Corpus = E₁ × [1 − ((1+g)/(1+r))^n] ÷ (r − g), where E₁ = first-year retirement expense.
Frequently Asked Questions
Why does my corpus look huge?
Inflation compounds: ₹60k/month today becomes ~₹2.57 lakh at 6% over 25 years. The corpus must fund that inflated figure for decades.
What return can I assume after retiring?
Retirees shift toward debt instruments; 6.5–7.5% blended is a common conservative assumption versus equity-heavy accumulation phases.