📖 Retirement Corpus Calculator
Retirement Corpus is the total amount you need at retirement to live comfortably. This calculator considers inflation (6-7%), life expectancy, and expected returns to give you a personalized retirement goal. Includes FIRE targets (25x, 30x, 40x) and monthly SIP required.
📐 Retirement Corpus Formula
Corpus = Annual Expense × [1 - (1+r)^-n] / r
Where r = real return, n = years in retirement
📊 Retirement Planning Guide
| Age | Corpus Multiple | Monthly SIP |
|---|
| 25 years | 40-50x | ₹15,000-20,000 |
| 35 years | 30-40x | ₹30,000-35,000 |
| 45 years | 20-30x | ₹70,000-80,000 |
| 50 years | 15-25x | ₹1,20,000+ |
💡 Retirement Planning Tips
- Start early - a 25-year-old saving ₹10,000/month can build ₹4+ crore by 60
- Use 50/30/20 rule: 20% of income for savings
- Diversify investments: NPS, PPF, EPF, mutual funds
- Inflation at 6% doubles expenses every 12 years
- Follow the 4% withdrawal rule for sustainable income
❓ FAQ
❓ How much retirement corpus is enough? ▼
30-40 times annual expenses. For ₹50,000/month (₹6L/year), you need ₹1.8-2.4 crore.
❓ What is the 4% rule? ▼
Withdraw 4% of corpus annually. For ₹12L/year need, corpus = ₹3 crore.
❓ How does inflation affect retirement? ▼
At 6% inflation, expenses double every 12 years. Corpus must grow faster than inflation.
❓ What is FIRE? ▼
Financial Independence Retire Early - saving 25-40x annual expenses to retire early.
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