How much retirement corpus is enough?

Retirement corpus depends on lifestyle goals, inflation, expenses, and expected retirement age. A common rule is to have 20-30 times your annual expenses.

What is the 4% rule in retirement?

The 4% rule suggests withdrawing 4% of your retirement corpus annually to ensure funds last for 30 years.

Does this calculator account for inflation?

No — the projected corpus is in nominal (today's money) terms. Use the Inflation Calculator alongside this one to see what that corpus is actually worth in real purchasing power by the time you retire.

Should my SIP amount stay fixed until retirement?

Not necessarily — a step-up SIP that increases with your income each year typically reaches a larger corpus than a flat SIP of the same starting amount, since later increases still get years of compounding before retirement.

Retirement planningWorks worldwide

Retirement Calculator

Estimate retirement corpus growth and future wealth accumulation through long-term investments and compounding.

Monthly investment$1,000

Expected annual return8%

Sample value. Enter your own.

Investment duration25 yrs

Estimated retirement corpus

$957,367

Total investment$300,000

Estimated returns+$657,367

Please note that these calculators are for illustrations only and do not represent actual returns. Stock market returns are not fixed and cannot be predicted with certainty.

What is retirement planning?

Retirement planning helps individuals estimate future financial needs and build long-term investment strategies for financial independence after retirement. It involves calculating the required corpus based on current savings, expected returns, and inflation.

How is your retirement corpus calculated?

This calculator projects a monthly SIP forward using the future value of a growing annuity:

FV = SIP × [((1 + r)^n − 1) / r] × (1 + r)

Here SIP is your monthly investment, r is the monthly expected return, and n is the total number of months until retirement. A $156 monthly SIP at 12% annual return over 25 years grows to about $296,031 — most of which comes from compounding on earlier contributions, not the contributions themselves, which is why starting a decade earlier matters more than investing a larger amount later.

Benefits of retirement planning

Financial independence

Retirement planning helps create sustainable long-term financial security and stability.

Wealth growth

Long-term compounding can significantly increase retirement savings over time.

Inflation protection

Planning ensures your retirement corpus accounts for rising cost of living and inflation.

Peace of mind

A well-structured plan reduces financial stress and provides clarity for the future.

LessonRetirement Planning — Turn a distant, abstract goal into a practical, numbers-based savings system.
CalculatorFIRE Calculator — Your FIRE number at 25× expenses, and how close your investments get you.

Common questions

Starting early allows investments more time to grow through the power of compounding. The earlier you start, the smaller the monthly investments needed.