Retirement Calculator – Corpus You Need

What is the Retirement Calculator?

The FinanceDeck Retirement Calculator answers the single most important financial question of your life: how much money do you need on the day you retire to fund your desired lifestyle for the rest of your life? It accounts for inflation between now and retirement and for post-retirement returns after.

Most Indians dramatically underestimate this number. A ₹50,000 monthly lifestyle today typically needs a ₹5–7 crore corpus at retirement — a figure that only makes sense once you see the math play out. Better to face it early and plan than to run out of money at 75.

How does it work?

The calculator first inflates today's monthly expenses to their value at your retirement age. It then uses the real-return formula to compute the corpus needed to fund those expenses for your expected post-retirement duration, accounting for continued inflation and post-retirement returns.

Real return is what matters after retirement — it's the return on your corpus above and beyond inflation. A 7% nominal return with 6% inflation is only 0.94% real, which is barely enough to keep pace with rising costs.

Formula

Real return = (1 + R)/(1 + inflation) − 1; Corpus = FutureMonthly × 12 × (1 − (1+realRet)^-postYears) / realRet

Example

Age 30 today, retiring at 60, current monthly expenses ₹50,000, inflation 6%, post-retirement return 7%, life expectancy 85.

Future monthly expense at retirement grows to ~₹2.87 lakh. Corpus required to fund 25 years of that is approximately ₹9.9 crore. If that scares you, use the SIP Calculator to figure out what monthly SIP builds that corpus in 30 years.

Benefits

✓Answers the biggest financial question with math
✓Forces you to face inflation head-on
✓Reveals how tenure of retirement matters
✓Great pairing with SIP and NPS calculators
✓Free, private and instant

Frequently Asked Questions

Is the number too large?

It usually looks large because retirement lasts 25+ years. Break it down to a monthly SIP and it becomes very achievable if started early.

Should I include EPF and PPF?

Yes — subtract their projected value from the total corpus needed. The gap is what your SIP and other investments must fill.

What if I live longer than 85?

Add 5 years to life expectancy for a safety buffer. Longevity is going up steadily.

Can I retire earlier?

Yes — early retirement (FIRE) means a bigger corpus (funding more years) plus faster accumulation (fewer working years). Model both to see the trade-off.