Retirement Corpus Simulator
Estimate the corpus you need, what your current plan is projected to build, and the monthly contribution gap to close.
Problem
Retirement planning becomes abstract unless you connect spending, inflation, and the runway left.
Promise
Estimate the retirement corpus you need, the amount you are on track to build, and the monthly gap to close.
Trust note
No login. Assumptions are visible and editable, including inflation and pre/post-retirement return.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
Retirement timeline
Current plan
Return assumptions
Main answer
₹1,72,55,449
You are short by about ₹1,72,55,449 at retirement. Increasing monthly investing to roughly ₹32,733 improves the plan materially.
This retirement target assumes 28 years in retirement and a post-retirement real return of 0.9%.
Corpus needed
₹10.5Cr
Inflation-adjusted annual expense at retirement: ₹42.9L.
Projected corpus
₹8.8Cr
Based on current corpus and monthly investing.
Gap at retirement
₹1.7Cr
Over 28 years to retirement.
Required monthly investing
₹32,733
Monthly investment needed from today to hit the target.
Required corpus vs projected corpus
Current monthly investment
₹25,000
This is the contribution already assumed in the projection.
Years to retirement
28 years
More runway lowers the monthly catch-up burden.
Inflation-adjusted annual spend
₹42.9L
The annual spending target at your retirement start year.
How to read this tool
This tool works best when you start from current monthly expenses instead of guessing a random retirement corpus target.
It separates the accumulation phase from the retirement drawdown phase so the math remains interpretable.
Why the result leans this way
Inflation is the quiet risk
Small increases in living costs compounded over decades can push the target higher than most people expect.
Runway is leverage
Starting contributions earlier usually matters more than chasing a slightly higher annual return assumption.
Assumptions and sources
Retirement math
The corpus requirement is modeled as a real-return annuity across the expected retirement years.
Effective from 2026-04-01
Frequently asked questions
Why use current expenses instead of desired retirement income?
Current expenses are easier to ground in reality. The calculator then inflates them to your retirement year before sizing the corpus.
Why are there two different return assumptions?
Accumulation and retirement drawdown usually use different portfolio mixes, so the expected return often changes after retirement.
What if my projected corpus is already enough?
That means your current corpus plus monthly investing is on track under the assumptions entered. You can use the result as a cushion rather than a reason to stop reviewing the plan.
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