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Retirement Corpus Planner

Project your retirement savings corpus, growth chart and estimated monthly retirement income.

Last updated 10/08/2026

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Retirement Corpus Planner inputs

Savings/investments already set aside for retirement. Enter 0 if none.

How much you plan to invest each month until retirement.

Your own planning assumption — not a guaranteed or government-notified rate.

Stored only in this browser — never uploaded, no account required.

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Enter valid inputs to see your result.

How this works

What it means

A projected retirement corpus based on your current savings and planned monthly investment, compounded at your own assumed rate of return until your planned retirement age, plus an estimated monthly retirement income from that corpus.

How it’s calculated

Current Savings grows as a compounding lump sum; Monthly Investment grows as a monthly SIP — both using the same shared compound-growth formulas as the Goal Savings Planner. Estimated Monthly Retirement Income assumes a commonly-cited 4% annual safe withdrawal rate applied to the projected corpus.

Common Defence use cases

Sanity-checking whether your current savings rate is on track for a retirement goal, and seeing how changing your monthly investment or assumed return shifts the projected corpus.

Formula

Months to Retirement = (Retirement Age − Current Age) × 12 Projected Corpus = FutureValue(Current Savings) + FutureValue(Monthly Investment as SIP) Estimated Monthly Retirement Income = Projected Corpus × 4% ÷ 12

Assumptions

  • This is a planning estimate only, based on a constant assumed rate of return you enter yourself — actual investment returns vary year to year and are never guaranteed. Not financial advice.
  • Estimated Monthly Retirement Income assumes a 4% annual safe withdrawal rate — a commonly-cited retirement-planning heuristic (the "4% rule"), not a government-mandated or guaranteed figure. It is a fixed assumption in Version 1, not a separate input.
  • Monthly contributions are assumed to occur at the end of each month (an "ordinary annuity" convention) — a simplification, not a claim about how any specific bank or AMC processes SIP instalments.
  • Does not account for inflation, taxes, or any pension income you may separately receive (see the Retirement Pension Calculator for that).
  • The Projected Corpus Growth chart plots the same formula at up to 6 evenly-spaced ages between now and retirement — a simple illustration of the compounding curve, not a year-by-year forecast; it assumes the same constant rate of return throughout, with no modeling of market volatility.

Example calculations

Current Age 35, Retirement Age 60, Current Savings ₹5,00,000, Monthly Investment ₹15,000, Expected Return 10%

Projected Retirement Corpus ≈ ₹2.59 crore — Estimated Monthly Retirement Income ≈ ₹86,400

Current Age 45, Retirement Age 58, Current Savings ₹10,00,000, Monthly Investment ₹20,000, Expected Return 8%

Projected Retirement Corpus ≈ ₹82.8 lakh — Estimated Monthly Retirement Income ≈ ₹27,600

Frequently asked questions

No. Both the projected corpus and estimated income are planning estimates based on assumptions you enter (or the fixed 4% withdrawal assumption) — actual investment returns are never guaranteed. Not financial advice.