Retirement CalculatorCorpus

Find out exactly how much corpus you need to retire at your chosen age — and the monthly SIP to get you there.

Your Retirement Profile

Current Age 30 yrs

1859

Retirement Age 60 yrs

3180

Life Expectancy 85 yrs

61100

Monthly Expenses Today (₹)

Inflation Rate 6%

Post-Retirement Return 7%

Expected Investment Return (Pre-Retirement) 12%

Years to Retire

years left

Corpus Needed

₹4.06 Cr

at age 60

Monthly SIP Needed

₹11,626

at 12% p.a.

Future Monthly Expense

₹2.87 L

inflation-adjusted

How Your Corpus Is Built

You invest: ₹41.85 L Market grows: ₹3.64 Cr

Corpus covers 25 years (60→85). Assumed post-retirement return 7% p.a. monthly withdrawal.

Estimates only. Consult a certified financial planner before making investment decisions.

How the calculation works

Your monthly expenses today are inflated forward to retirement age. The corpus is then the Present Value of all monthly withdrawals over your retirement period, discounted at your post-retirement return rate.

The required monthly SIP is back-calculated as the contribution needed to grow to that corpus at your pre-retirement investment return. A common benchmark: 12% pre-retirement (mutual funds), 7% post-retirement (debt/hybrid portfolio).

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Track your income & save more inside SparkyMinis

Understand exactly where your money goes each month — so you can increase your SIP contribution and retire on your own terms.

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