Retirement Calculator
Estimate how much corpus you need for a comfortable retirement. We adjust your expenses for inflation and calculate the required fund based on post-retirement returns.
Calculator Inputs
- Formula:
Corpus = PV of Annuity (Annual Expense, Return %, Years) - We inflate your expenses from current age to retirement age.
Retirement FAQs
How do you inflate my expenses?
We grow your current monthly expense by inflation for all the years till your retirement. This gives the estimated future monthly expense at retirement age.
What formula is used for corpus?
We use Present Value of an Annuity: PV = A × (1 − (1 + r)−n) / r, where A is annual expense at retirement, r is post-retirement return (in decimal), and n is years in retirement.
Does it include taxes, medical shocks, or inflation after retirement?
No. This is a simple estimate. Actual needs may be higher due to taxes, medical costs, lifestyle upgrades, or inflation drift. Please plan a margin of safety.
What if my return rate is very low?
If the return is close to 0%, the corpus becomes approximately annual expense × years in retirement. Our calculator handles near-zero returns safely.
Is this tool financial advice?
No. It is an educational tool. For a personalised plan (income, tax, asset allocation), please speak with our advisor.