Retirement Corpus Calculator India — Plan for Age 60
Retirement corpus planning is the process of calculating how much money you need to accumulate before retirement to sustain your lifestyle for the rest of your life, without needing to work. In India, traditional retirement is at 60, giving you typically 25-30 years of post-retirement life to fund.
Unlike FIRE (which targets early retirement), this calculator is designed for the majority of Indians planning to retire at 55-60 after a full career. It accounts for pension income, EPF/PPF maturity, and spouse's income to give you a net corpus requirement.
Corpus needed = PV of all future retirement expenses minus pension/other income
Step 1: Project monthly expenses at retirement age using inflation
Retirement expense = Current expense × (1 + inflation)^years to retirement
Step 2: Subtract any pension income (EPF pension, NPS annuity)
Net expense = Retirement expense − Pension income at retirement age
Step 3: Calculate corpus needed to fund net expenses for remaining life
Corpus = Net annual expense × [(1 − (1+r)^−n) ÷ r]
Where r = real return, n = retirement years (life expectancy − retirement age)
1. Enter current age and retirement age
2. Enter current monthly expenses — the calculator adjusts for inflation
3. Enter monthly pension income at retirement — EPF pension, NPS annuity, rental income
4. Enter current corpus — existing savings that are growing
5. Enter monthly SIP — ongoing investments
6. Set return rates and inflation — calculator shows required corpus and whether you are on track
• Pension-aware: Accounts for your existing income sources at retirement
• Realistic projection: Uses India-specific inflation and returns
• Gap analysis: Shows exact shortfall and additional SIP needed to close it
• Life expectancy: Adjust to plan for longer life (use 85-90 for conservative planning)
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