ForeATools
☰
Finance Calculators

Retirement Corpus Target Calculator

Work out how large a retirement corpus you need, based on your age, spending, and how long it needs to last.

Part of the Retirement journey · step 1 of 7 · See the full map →

How long the corpus needs to last, expressed as an age rather than a duration.

A conservative blended return across equity, debt, and FD — most retirees hold less equity than during their working years.

Frequently Asked Questions

Why two numbers?
The textbook estimate is a standard formula you can check by hand — fast, transparent, but it assumes steady returns every year and doesn't model medical costs rising faster than general inflation. The stress-tested target runs your numbers through 1,000 simulated market sequences, including bad early years, taxes, and rising medical costs — it's typically noticeably higher, because real markets aren't steady.
Which number should I use for next steps?
The stress-tested target, by default — it's what actually survives realistic market conditions, and it's what carries forward when you move to the SIP Goal Calculator or the Retirement Planner. You can switch to the textbook number if you want a quicker, simpler target instead; it's clearly labeled either way.
Why does the corpus depend on my current age, not just my retirement age?
Inflation erodes today's expense figure between now and the day you retire, not just during retirement. The more years until you retire, the more that expense will have grown in rupee terms by the time you need it.
What return should I use for "expected post-retirement return"?
A blended, conservative figure across whatever mix of equity, debt, and FD you expect to hold in retirement — this only feeds the textbook estimate; the stress-tested target uses the same detailed return and volatility assumptions as the Retirement Planner.