Calculator
Retirement corpus check
Rules of thumb round; this doesn't. Enter the monthly income you want and the tool solves the corpus that funds it — with the inflation step-up priced in.
Falls short ⚠
- Corpus needed₹1,12,85,930
- Corpus you have₹1,00,00,000
- Shortfall₹12,85,930
- First-year withdrawal rate6%
The needed corpus is solved to the rupee for income that steps up by inflation every year — the number a flat "25× expenses" rule quietly understates. Projection only, on your assumptions; it is not a guarantee.
What this calculator answers
A ₹40,000 monthly income rising 6% a year, funded at a 9% return for 30 years, needs about ₹90 lakh — the 25×-expenses shortcut says ₹48 lakh, which would run dry in roughly 12½ years. Enter your income, assumptions and current corpus to see the exact cushion or shortfall.
How it is calculated
For a candidate corpus the tool simulates the inflation-adjusted withdrawal month by month, then brackets the needed corpus by doubling and bisects until the answer is exact to the rupee. Your entered corpus runs the same simulation, so the surplus or shortfall reflects the same maths you would see in the withdrawal planner.
Same simulation as the withdrawal planner: monthly growth at your return / 12, withdrawals at month-end, income stepping up once a year by your inflation rate. Taxes are not modelled. Nothing is assumed about returns or inflation — the assumptions are yours.
Common questions
Why is the needed corpus larger than 25× my annual expenses?
The 25× shortcut holds only when the withdrawal never grows. Once income rises with inflation, the early years consume proportionally more, so the required corpus grows. The tool prices that in instead of rounding it away.
My corpus shows a shortfall. Now what?
The usual levers: a lower starting income, a later start date (fewer years to fund), a higher savings rate before retirement, or a different return assumption you can actually defend. Re-run the tool with one lever moved at a time to see which matters most.
Is the solved corpus a guarantee?
No — it is exact only under the assumptions you entered. Real returns arrive in a sequence no simulation predicts, and the order alone can move the outcome by years. Use the number as a target with a margin, not a promise.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.