Retirement corpus calculator

Fill the cells with blue shade

Current age
Retirement age
Life expectancy
Current monthly expenses
Inflation expectation

Expected return on investment post-retirement

(post-tax) per annum
Expected return on investment pre-retirement
(post-tax) per annum

Retirement corpus
(in crore)

Required monthly investment

Can't save so much for retirement every month?

Start small, increase your savings every year
How much (in %) can you increase savings
annually?

First year monthly investment

Second year monthly investment
Third year monthly investment
and so on..... until the retirement age

Note: These are approximate numbers and are for illustration purposes only. It does
legal advice. Prior to making any financial decisions, it is recommended to consult yo
guidance.
The results may vary with other online calculators that could be due to difference in assump

Thanks to Lovaii Navlakhi, a registered investment advisor and Abhishek Roychowdh

 ₹0
35 Utility
50 Fuel
100 Help
₹100,000 Grocery
6% Food

12% Car EMI

15% Medical
Travel
Insurance
₹ 42,659,371 Misc
₹ 4.3 10

₹69,211

ery month?

0.1 0.01

₹ 41,581
₹45,740
₹50,314
e

rs and are for illustration purposes only. It does not constitute financial, investment, or
ncial decisions, it is recommended to consult your financial advisor for personalized
alculators that could be due to difference in assumptions considered.

d investment advisor and Abhishek Roychowdhury, my LinkedIn connection, for their inputs on creating this excel.
 Retirement corpus calculator
Fill the cells with blue shade
Current age 35
Retirement age 60
Life expectancy 100
Current monthly expenses ₹100,000
Inflation expectation 7%
Expected return on investment post-retirement
(post-tax) per annum 8%
Expected return on investment pre-retirement
(post-tax) per annum 12%

Monthly expenses at the time of retirement

(adjusted for inflation) 542743

Retirement corpus ₹ 217,624,102

(in crore) ₹ 21.8

Required monthly investment ₹127,848

Can't save so much for retirement every month?

Start small, increase your savings every year
How much (in %) can you increase savings
annually? 5.00%

42 First year monthly investment ₹ 87,651

43 Second year monthly investment ₹96,416
44 Third year monthly investment ₹106,058
45 ₹116,663
46 ₹128,330
47 ₹141,163
48 ₹155,279
49 ₹170,807
50 ₹187,888
51 ₹206,676
52 ₹227,344
53 ₹250,078
54 ₹275,086
55 ₹302,595
56 ₹332,854
57 ₹366,140
58 ₹402,754
59 ₹443,029
60 ₹487,332
and so on..... until the retirement age

Note: These are approximate numbers and are for illustration purposes only. It does not constitute finan
Prior to making any financial decisions, it is recommended to consult your financial advisor for personaliz
The results may vary with other online calculators that could be due to difference in assumptions considered.

Thanks to Lovaii Navlakhi, a registered investment advisor and Abhishek Roychowdhury, my LinkedIn con
Inflation-
adjusted ROI

0.00935
Nominal APR

0.00931

Nominal APR
0.1139
It does not constitute financial, investment, or legal advice.
ancial advisor for personalized guidance.
assumptions considered.

howdhury, my LinkedIn connection, for their inputs on creating this excel.

 How much should you save for your retirement?
Retirement corpus (₹ crore) Monthly investment (₹) to build the corpus
Monthly expenses
25,000 50,000 75,000 100,000 1.25 L 1.5 L
Your age
6.5 13.0 19.5 26.0 32.5 39.0
25
18,974 37,948 56,922 75,897 94,871 1,13,845
4.9 9.7 14.6 19.4 24.3 29.1
30
23,361 46,722 70,083 93,444 1,16,805 1,40,166
3.6 7.3 10.9 14.5 18.1 21.8
35
29,198 58,396 87,594 1,16,791 1,45,989 1,75,187
2.7 5.4 8.1 10.8 13.6 16.3
40
37,464 74,929 1,12,393 1,49,857 1,87,322 2,24,786
2.0 4.1 6.1 8.1 10.1 12.2
45
50,466 1,00,933 1,51,399 2,01,866 2,52,332 3,02,798
1.5 3.0 4.5 6.1 7.6 9.1
50
75,181 1,50,361 2,25,542 3,00,723 3,75,903 4,51,084
1.1 2.3 3.4 4.5 5.7 6.8
55
1,46,657 2,93,313 4,39,970 5,86,627 7,33,284 8,79,940
Retirement age - 60 years Expected return on investment - 8% pa
Expected Inflation - 6% (post-retirement, post-tax)
Life expectancy - 100 years Expected return pre-retirement- 10% pa

Start small by increasing your monthly investment every year..

How much should you save for your retirement?
Retirement corpus (₹ crore) Monthly investment ₹ (with 10% step-up annually)
Monthly expenses
25,000 50,000 75,000 100,000 1.25 L 1.5 L
Your age
6.5 13.0 19.5 26.0 32.5 39.0
25
5752 11503 17255 23007 28758 34510
 4.9 9.7 14.6 19.4 24.3 29.1
30
8076 16151 24227 32303 40378 48454
3.6 7.3 10.9 14.5 18.1 21.8
35
11662 23325 34987 46650 58312 69975
2.7 5.4 8.1 10.8 13.6 16.3
40
17544 35088 52632 70177 87721 1,05,265
2.0 4.1 6.1 8.1 10.1 12.2
45
28152 56304 84456 1,12,608 1,40,760 1,68,912
1.5 3.0 4.5 6.1 7.6 9.1
50
50820 1,01,640 1,52,460 2,03,280 2,54,100 3,04,921
1.1 2.3 3.4 4.5 5.7 6.8
55
1,22,322 2,44,644 3,66,965 4,89,287 6,11,609 7,33,931
Retirement age - 60 years Expected return on investment - 8% pa
Expected Inflation - 6% (post-retirement, post-tax)
Life expectancy - 100 years Expected return pre-retirement- 10% pa

Footnote
*These are approximate numbers and are for illustration purposes only. Consult your financial advisor before making financial decisions.
The retirement corpus as per the table is to mintain one's current lifestyle based on the monthly expenses.
The figures may vary when using other calculators due to various variables involved in calculating the corpus and the SIP amount
ial decisions.