Retirement Corpus Calculator

The Retirement Blueprint Calculator is a comprehensive retirement planning tool that estimates how much corpus you need to retire comfortably. It factors in your current age, retirement age, monthly expenses, inflation, existing investments, SIP contributions, and your post-retirement SWP to give you a complete picture of your retirement readiness.

SWP stands for Systematic Withdrawal Plan — the monthly amount you withdraw from your retirement corpus after you stop working. The calculator helps you understand how large your corpus must be to sustain your chosen SWP for your entire retirement duration without running out of money.

A fixed SWP loses purchasing power every year due to inflation. What costs Rs.1 lakh today will cost Rs.3.2 lakh in 20 years at 6% inflation. The calculator defaults to an inflation-adjusted SWP so your lifestyle is protected throughout retirement. This requires a significantly larger corpus than a flat SWP.

A Fixed SIP means you invest the same amount every month. A Step-Up SIP starts with a lower amount and increases by a fixed percentage every year — typically 10–15%. Step-Up SIP is ideal if your income is expected to grow, allowing you to start with a smaller outflow today and ramp up as your earnings increase.

The calculator shows you the exact gap and provides three bridging options: (A) a flat additional SIP needed every month, (B) a step-up SIP starting amount increasing 10% per year, and (C) an even lower step-up SIP at 15% per year. You can choose based on your current income and expected income growth.

For equity mutual funds with a long horizon (10+ years), 10–12% per annum is a reasonable assumption based on long-term Nifty 50 performance. Conservative investors may use 8–10%. Always use realistic assumptions — the calculator is only as accurate as the inputs you provide.

During retirement, your corpus is typically shifted to lower-risk investments. A post-retirement return of 7–8% per annum is a common planning assumption. Critically, the post-retirement return must exceed the inflation rate for the SWP to be sustainable.

The depletion warning appears when your projected corpus is insufficient to sustain your SWP for the full retirement duration. The calculator shows the year in which money would run out. You must increase your SIP, add a lumpsum, reduce planned SWP, or extend working years to avoid outliving your money.

Inflation affects your plan in two ways: it increases your future monthly expense at retirement, and if you use inflation-adjusted SWP, your withdrawals grow every year during retirement — requiring a much larger initial corpus. At 6% inflation, Rs.1.25 lakh today becomes Rs.4 lakh in 20 years.

Yes. Set your Retirement Age lower — for example, 50 for early retirement. The calculator shortens the accumulation phase and lengthens the retirement duration. Early retirement significantly increases the required corpus, and the suggested SIP amounts will reflect this reality.

Financial planners recommend 25–30 years of retirement to account for increasing life expectancy. If you retire at 60 and plan for 30 years, you are covered until age 90. It is always safer to over-plan — a corpus surplus at end of life is far better than running out of money in your 80s.

Enter your total existing portfolio value in the Existing Corpus field — this includes mutual funds, stocks, PPF, and EPF if you plan to keep them invested until retirement. The calculator grows this at your pre-retirement return rate until your retirement date.

Existing Corpus is money you have already invested and is currently growing. Fresh Lumpsum is a one-time investment you plan to make today — for example, a bonus or inheritance. Both are grown at the pre-retirement return rate, but shown separately so you can see each one's contribution.

The calculator does not model taxes, as these vary by investment type, holding period, and tax bracket. LTCG on equity mutual funds above Rs.1.25 lakh per year is taxed at 12.5%. Debt fund gains are taxed as per your income slab. Consult a tax advisor for post-tax retirement planning.

You can include EPF and PPF if you plan to keep them invested until retirement. However, EPF (8.1%) and PPF (7.1%) have their own guaranteed return rates. For accuracy, calculate their projected maturity value separately and add that amount to your corpus rather than mixing them with equity return assumptions.

Yes. Enter your expected expenses in Indian Rupees, use Indian inflation assumptions (5–7%), and factor NRE/NRO investments in the existing corpus field. Note that currency risk, DTAA, and repatriation rules may affect your actual plan — consult a qualified advisor for NRI-specific retirement planning.

We recommend reviewing your plan at least once a year, and immediately after major life events such as a salary change, marriage, birth of a child, or inheritance. Small course corrections made early are far easier than large corrections close to retirement.