How is the required retirement corpus calculated?

The calculator inflates current monthly expenses to retirement age, then estimates the corpus needed to fund inflation-adjusted monthly withdrawals through the selected retirement duration.

Why is planned monthly investment included?

It lets the calculator compare your projected corpus at retirement against the required corpus and show a surplus or shortfall.

Does this include taxes, fees, or market volatility?

No. The projection is deterministic and excludes taxes, expense ratios, exit loads, inflation surprises, and market volatility.

Tools

Retirement Corpus Calculator

Estimate the corpus needed at retirement, the monthly investment required to reach it, and whether your planned investments are on track.

Required corpus

85,722,487

For 30y of retirement expenses.

Required monthly investment

34,853

Starting amount for 25y with step-up.

Expense at retirement

321,890

Inflation-adjusted monthly expense at retirement age.

Projected shortfall

24,234,720

Projected corpus: 61,487,767.

Total invested

14,318,130

Includes current investment and 14,318,130 planned investments.

Pre-retirement growth

47,169,638

Monthly return: 0.95%.

Retirement drawdown

Projected corpus after retirement withdrawals begin.

Depletes at 19y 8m

Retire15y30y

Retirement breakdown

Year 1

Closing 62,404,441

Opening: 61,487,767
Withdrawn: 3,862,684
Growth: 4,779,358
Closing: 62,404,441

Year 2

Closing 63,154,308

Opening: 62,404,441
Withdrawn: 4,094,445
Growth: 4,844,312
Closing: 63,154,308

Year 3

Closing 63,709,615

Opening: 63,154,308
Withdrawn: 4,340,111
Growth: 4,895,418
Closing: 63,709,615

Year 4

Closing 64,039,524

Opening: 63,709,615
Withdrawn: 4,600,518
Growth: 4,930,427
Closing: 64,039,524

Year 5

Closing 64,109,815

Opening: 64,039,524
Withdrawn: 4,876,549
Growth: 4,946,840
Closing: 64,109,815

Year 6

Closing 63,882,556

Opening: 64,109,815
Withdrawn: 5,169,142
Growth: 4,941,883
Closing: 63,882,556

Year 7

Closing 63,315,754

Opening: 63,882,556
Withdrawn: 5,479,291
Growth: 4,912,489
Closing: 63,315,754

Year 8

Closing 62,362,964

Opening: 63,315,754
Withdrawn: 5,808,048
Growth: 4,855,258
Closing: 62,362,964

Year 9

Closing 60,972,867

Opening: 62,362,964
Withdrawn: 6,156,531
Growth: 4,766,434
Closing: 60,972,867

Year 10

Closing 59,088,815

Opening: 60,972,867
Withdrawn: 6,525,923
Growth: 4,641,870
Closing: 59,088,815

Year 11

Closing 56,648,325

Opening: 59,088,815
Withdrawn: 6,917,478
Growth: 4,476,988
Closing: 56,648,325

Year 12

Closing 53,582,540

Opening: 56,648,325
Withdrawn: 7,332,527
Growth: 4,266,742
Closing: 53,582,540

Year 13

Closing 49,815,634

Opening: 53,582,540
Withdrawn: 7,772,478
Growth: 4,005,572
Closing: 49,815,634

Year 14

Closing 45,264,165

Opening: 49,815,634
Withdrawn: 8,238,827
Growth: 3,687,358
Closing: 45,264,165

Year 15

Closing 39,836,375

Opening: 45,264,165
Withdrawn: 8,733,157
Growth: 3,305,367
Closing: 39,836,375

Year 16

Closing 33,431,426

Opening: 39,836,375
Withdrawn: 9,257,146
Growth: 2,852,197
Closing: 33,431,426

Year 17

Closing 25,938,570

Opening: 33,431,426
Withdrawn: 9,812,575
Growth: 2,319,719
Closing: 25,938,570

Year 18

Closing 17,236,243

Opening: 25,938,570
Withdrawn: 10,401,329
Growth: 1,699,003
Closing: 17,236,243

Year 19

Closing 7,191,085

Opening: 17,236,243
Withdrawn: 11,025,409
Growth: 980,251
Closing: 7,191,085

Year 20

Closing 0

Opening: 7,191,085
Withdrawn: 7,391,941
Growth: 200,856
Closing: 0

Year 21

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 22

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 23

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 24

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 25

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 26

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 27

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 28

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 29

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year 30

Closing 0

Opening: 0
Withdrawn: 0
Growth: 0
Closing: 0

Year	Opening	Withdrawn	Growth	Closing
1	61,487,767	3,862,684	4,779,358	62,404,441
2	62,404,441	4,094,445	4,844,312	63,154,308
3	63,154,308	4,340,111	4,895,418	63,709,615
4	63,709,615	4,600,518	4,930,427	64,039,524
5	64,039,524	4,876,549	4,946,840	64,109,815
6	64,109,815	5,169,142	4,941,883	63,882,556
7	63,882,556	5,479,291	4,912,489	63,315,754
8	63,315,754	5,808,048	4,855,258	62,362,964
9	62,362,964	6,156,531	4,766,434	60,972,867
10	60,972,867	6,525,923	4,641,870	59,088,815
11	59,088,815	6,917,478	4,476,988	56,648,325
12	56,648,325	7,332,527	4,266,742	53,582,540
13	53,582,540	7,772,478	4,005,572	49,815,634
14	49,815,634	8,238,827	3,687,358	45,264,165
15	45,264,165	8,733,157	3,305,367	39,836,375
16	39,836,375	9,257,146	2,852,197	33,431,426
17	33,431,426	9,812,575	2,319,719	25,938,570
18	25,938,570	10,401,329	1,699,003	17,236,243
19	17,236,243	11,025,409	980,251	7,191,085
20	7,191,085	7,391,941	200,856	0
21	0	0	0	0
22	0	0	0	0
23	0	0	0	0
24	0	0	0	0
25	0	0	0	0
26	0	0	0	0
27	0	0	0	0
28	0	0	0	0
29	0	0	0	0
30	0	0	0	0

Frequently asked questions

No. All amounts are plain numbers, so the same inputs can represent any currency or unit.

Retirement drawdown

Retirement breakdown

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Year 29

Year 30

Frequently asked questions

Does this calculator use currency?

How is the required retirement corpus calculated?

Why is planned monthly investment included?

Does this include taxes, fees, or market volatility?