Plan your retirement
Retirement Corpus Calculator
Start with your expenses. Then check how long your retirement corpus could last.
1 · Estimation
Estimate your retirement corpus
Enter your details to estimate expenses at retirement and the corpus needed at your chosen withdrawal rate.
A higher withdrawal rate reduces your starting corpus. Start Stress Testing to see the impact over the years.
“Optimal” is a reference label for 4%, not a guarantee that it will suit your retirement period.
Adjust expenses at retirement
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2 · Stress TestingStress TestingExplore how different assumptions affect your retirement corpus.
Reset restores the latest baseline inputs and removes added income and expenses. Use latest estimate updates only the estimated inputs; your income, expenses, return and end age stay as entered.
Start with the Estimation button above to explore your own stress scenario.
Complete your stress scenario to see the projection.
Stress Scenario result
Stress Scenario inputs
Change one assumption at a time. Orange marks differences from the latest baseline.
Starting values are rounded to 0.01 Cr and whole rupees per month.
Projected retirement balance
Correct the highlighted inputs to update the graph.
Hover or tap the graph to see each year. You can also move the age slider with the arrow keys. Balances are at each birthday, in future Cr. Expense markers show payments just after that birthday. Income bars show payment periods, including the last payment age.
Other income & one-time expenses
Other income during retirement
Include pension, rent or other income after taxes. Enter the annual amount expected in its first payment year, not today’s value.
Baseline: no other income
One-time expenses
Enter today’s cost and your age when the money is needed. The stress scenario inflation rate projects its future cost. Exclude costs already in your monthly expenses.
Baseline: no one-time expenses
View year-by-year calculation
| Age at start | Opening corpus (Cr) | Living expenses | Other income | One-time expenses | Return earned | Closing corpus (Cr) | Unmet expenses |
|---|
Total unmet expenses adds shortfalls from different years; it is not an additional corpus requirement today.
How the stress test works
Each retirement year starts with the previous year’s closing corpus. We add that year’s other income, then deduct its living expenses and one-time expenses. The remaining money earns the assumed return for the year. The first retirement year includes a full year of living expenses.
Closing corpus = max(0, opening corpus + same-year income − living expenses − one-time expenses) × (1 + return). If the available money is insufficient, the difference is shown as unmet expenses. No investment return is applied to a negative balance. Any later surplus income can rebuild the corpus.
Annual income and withdrawals are treated as occurring at the start of each year. This is a simplified annual model; monthly cash flows produce different results. Income runs from its start age through its final age, inclusive. One-time expenses are inflated from your current age to the age needed.
The selected withdrawal-rate benchmark itself does not use lifespan. Stress Testing tests it until your chosen end age under your assumptions. Fixed annual returns do not capture market volatility or the effect of poor returns early in retirement. A projected positive balance is not a guarantee.
A planning illustration based on your inputs. The selected withdrawal rate is a planning assumption, not an assured sustainable rate. This tool does not model an investment allocation or individual tax rules.