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Determine your retirement corpus target accounting for inflation & lifestyle
Retirement Corpus Needed
Annual Expense at Retirement
Retirement Duration
Your retirement corpus is the total amount you must accumulate by retirement age to sustain your desired lifestyle throughout your post-working years without financial stress. In India, where inflation averages 5-6% annually and life expectancy is rising, calculating an accurate corpus is critical for long-term security. This calculator accounts for three key factors: your current monthly expenses (indexed for inflation during your working years), the returns your corpus will generate post-retirement (typically 5-7% from a balanced debt-equity portfolio), and your expected retirement duration (commonly 30-35 years if retiring at 60). Most middle-class Indians need ₹1-2 crore for a comfortable retirement, depending on location, healthcare needs, and lifestyle choices. Without this planning, many retirees face the painful reality of depleting savings by age 80-85 or becoming dependent on family. The calculator helps you avoid this by showing the exact corpus needed and whether your current savings trajectory will meet it.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.