Calculate the retirement corpus needed to sustain your lifestyle. Free online retirement corpus calculator with formula, examples, and FAQ.
The retirement corpus calculator helps you determine the total amount you need to accumulate by retirement to sustain your desired lifestyle. It accounts for inflation (which increases your future expenses), post-retirement investment returns, and your expected lifespan after retirement. This is the first step in retirement planning — knowing your target helps you work backwards to determine how much to save and invest.
Corpus = Annual Expense at Retirement × (1 - (1 + real_rate)^(-n)) / real_rateWhere real_rate = (1 + post-retirement return) / (1 + inflation rate) - 1, and n is the number of retirement years. Annual expense at retirement is calculated by inflating current expenses over the years to retirement. The formula calculates the present value of an annuity that provides inflation-adjusted income for the entire retirement period.
| Input | Output |
|---|---|
| Monthly expenses: $3,000, Inflation: 5%, 25 years to retire, Life expectancy: 85, Return: 7% | Corpus needed: ~$1,800,000+ |
| Monthly expenses: $5,000, Inflation: 4%, 20 years to retire, Life expectancy: 80, Return: 6% | Corpus needed: ~$2,300,000+ |
| Monthly expenses: $2,000, Inflation: 3%, 30 years to retire, Life expectancy: 90, Return: 8% | Corpus needed: ~$1,100,000+ |