Retirement Corpus Calculator

The corpus you need depends on your post-retirement monthly expenses, how long you expect to live after retirement, and the returns your corpus will earn. A common rule of thumb is the 25x rule: multiply your annual expenses at retirement by 25 to get the target corpus (assumes a 4% withdrawal rate). This calculator uses a more precise present-value approach that accounts for your specific inflation rate and post-retirement return assumption.

Post-retirement, most investors shift to conservative instruments (debt funds, senior citizen savings schemes, annuities) to preserve capital. A return of 6–8% p.a. is a reasonable assumption for a balanced post-retirement portfolio in India. If you plan to keep a portion in equity, 8–9% may apply. Avoid being overly optimistic — underestimating the corpus needed is a common retirement planning mistake.

Absolutely. Inflation erodes purchasing power over time. At 6% inflation, ₹50,000/month today becomes roughly ₹2.9 lakh/month in 30 years. This calculator inflates your current expenses to the retirement date and then computes the corpus needed to sustain those inflation-adjusted expenses throughout your retirement years.

Yes. If you have accumulated a significant mutual fund corpus and face a short-term liquidity need — without wanting to redeem and disrupt your compounding — a Loan Against Mutual Funds (LAMF) from Quicklend lets you borrow against your portfolio at low interest rates. Your units stay invested and continue compounding while you access funds instantly.