Rajkumar Anguluri·Software Engineer · Founder, Artha Engine·Last reviewed 8 April 2026·Methodology
Independent decision-support tool. Artha Engine is not a financial services provider, does not sell loans or insurance, and has no commission relationships with banks or insurers.
Retirement Corpus Calculator
Will your current plan actually cover retirement? See the inflation-adjusted corpus you need, the gap after compounding your existing savings, and the monthly SIP that closes it — then stress-test inflation and return assumptions.
Retirement profile
Model the corpus you need and the SIP that closes the gap.
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Corpus required at retirement
₹12.2Cr
Save ₹27,029 per month
The gap to the target corpus is ₹7.65Cr at retirement. A monthly SIP closes it.
Stress-test the assumptions: bump inflation 1%, drop return 2%, and see how the required SIP moves.
Years to retirement
30 yrs
Corpus required
₹12.2Cr
Projected from current corpus
₹4.6Cr
Gap to close
₹7.6Cr
Required monthly SIP
₹27,029
Annual expenses at retirement
₹55.1L
Inflation-adjusted from today's expenses.
Projected corpus over time
Corpus growth assuming the required SIP + current corpus compound at the pre-retirement return.
Benchmarks
Retire 5 years later
+136.8%You
₹27K
Benchmark
₹11.4K
Every extra working year shrinks the required SIP dramatically.
Cautious (8% pre-retirement return)
-60.3%You
₹27K
Benchmark
₹68.1K
Margin of safety if equity markets disappoint for a decade.
Inflation 8.0%
-66.4%You
₹27K
Benchmark
₹80.3K
Inflation compounds expenses — most plans underfund by ignoring this.
What moves the result most
Holding everything else fixed, here is how the headline shifts when each input swings by a typical range.
Inflation quadruples your expenses by retirement
At 6% inflation over 30 years, your current ₹9.6L annual expense becomes ₹55.1L. This is why retirement plans underfund when inflation is ignored.
Next best actions
The result hints at what to look at next. Each link carries your current numbers so you never re-enter them.
See how this SIP compounds into the corpus
Visualise the month-by-month compounding that gets you to the retirement corpus.
Required monthly SIP: ₹27,029
Compare with the safe-withdrawal-rate (FIRE) method
The FIRE calculator uses a different target formula. Cross-check to see how the two approaches differ.
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Save it to your account so you can revisit it anytime, or share the scenario with someone who needs to see it.
At a glance
- What it does
- Computes the inflation-adjusted retirement corpus you need using present-value annuity math, plus the monthly SIP that closes the gap.
- Typical output
- At 30 years old, ₹80k/month current expenses, ₹20 L existing corpus, retiring at 60 and living to 85: the corpus target is ~₹10-12 Cr and the SIP gap is ~₹35-40k/month.
- Why inflation matters
- At 6% inflation, ₹80k/month today becomes ~₹4.6 L/month 30 years later. Retirement planners that ignore inflation underfund the corpus by 3-5x.
- Best used for
- Sizing the retirement SIP at any age. Re-run annually as expenses and income change.
How It Works
This is the drill-down layer. The flagship flow leads with a recommendation, and this page lets you inspect the underlying model.
- Future annual expenses = current annual expenses × (1 + inflation)^years to retirement.
- Corpus required = PV of an inflation-adjusted annuity at the post-retirement return, over the years in retirement.
- Required SIP = solve for PMT that grows from 0 to the gap at the pre-retirement return.
Assumptions
The recommendation stays blunt, but the assumptions remain visible.
- Uses the present value of an inflation-adjusted annuity, not the safe-withdrawal-rate shortcut.
- Pre-retirement return applies until retirement; post-retirement return applies during withdrawal.
- Life expectancy is a planning assumption — longer lives change the number meaningfully.
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
Why does this give a different number from the FIRE calculator?
The FIRE calculator uses a fixed safe withdrawal rate (e.g., 3.5%) and derives the corpus as annual expenses ÷ SWR. This calculator uses the present value of an inflation-adjusted annuity over your specific retirement length. The SWR shortcut is simpler but less precise; the annuity method handles life expectancy explicitly.
What's a realistic post-retirement return?
Most planners use 6-8% for a conservative retirement portfolio heavy in debt and moderate in equity. Going aggressive (10%+) during retirement creates sequence-of-returns risk that can derail the plan.
Should I include expected pension income?
This tool assumes your corpus funds all retirement expenses. If you expect significant pension income, reduce the `current monthly expenses` input by the expected pension to get a net corpus requirement.
Sources & references
Every formula and assumption above is grounded in these authoritative sources.
Related tools & decisions
Keep going from here — each link carries the same cluster context.
What to do next
Comparison pages
No direct comparison yet.
Related guides
Long-form explainers that put the math behind this tool in context.
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Calculations and decision frameworks, not personalised financial advice. The numbers on this page are based on the inputs you supplied and the regulatory rules in effect when this page was last reviewed. They are not a recommendation to buy, sell, hold, port, or surrender any specific financial product. Consult a SEBI-registered investment advisor, a qualified tax professional, or a licensed insurance broker before acting on a financial decision involving your money.
Artha Engine is an educational decision-support website. We do not offer loans, sell insurance, distribute mutual funds, provide regulated investment advice, collect loan applications, or receive commissions from banks, insurers, AMCs, brokers, or other financial providers. References to RBI, SEBI, IRDAI, Income Tax Department, or other authorities are source citations only. Artha Engine is not affiliated with, endorsed by, or sponsored by any government authority, regulator, bank, insurer, AMC, or broker. Artha Engine does not charge users fees for using calculators, comparison tools, articles, or financial health scoring. Mailing address: India.
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