Retirement Corpus Calculator
What a retirement lasting twenty-five years actually costs, in inflated rupees.
Your numbers
Nothing you type here leaves your device as you work. Saving is the only thing that sends it anywhere, and only when you ask.
₹50 thousand
Usually lower — a retirement corpus is normally held more conservatively.
Include EPF and NPS.
My scenarios (0/10)
Snapshots of your inputs, so you can flip between them — “20 years at 9%” against “15 years at 9.5%”. Stored in this browser only, no account needed.
Fill in a few things
Still needed: inflation you assume, return you assume before retiring, return you assume after retiring.
We leave rate assumptions blank on purpose. A pre-filled number would read as our prediction, and nobody can predict a return. Put in whatever you think is realistic — then change it and watch how far the answer moves.
Questions people actually ask
- Why is the number so large?
- Two reasons people consistently underweight: inflation roughly triples costs over twenty years, and the corpus then has to last another twenty-five while still keeping pace with inflation.
Where these numbers come from
Every rate this tool uses, its source, and the date a human last checked it against that source.
- EPF Scheme 1952, employee contribution · checked 2026-04-05
- EPF Scheme 1952, employer contribution · checked 2026-04-05
- Employees Pension Scheme 1995, share of employer contribution · checked 2026-04-05
- EPS statutory wage ceiling · checked 2026-04-05
Proposals to raise this to ₹21,000 or ₹25,000 have been reported but had not been notified as at the verification date. Re-check before each Budget cycle.
- EPF interest rate declared for FY 2025-26 · checked 2026-04-05
Declared annually and credited after ratification. The FY 2026-27 rate is not yet declared; projections use the last declared rate and say so.
- Ceiling above which interest on employee PF contributions is taxable · checked 2026-04-05
₹5,00,000 where the employer makes no contribution.
- PFRDA (Exits and Withdrawals under NPS) Regulations · checked 2026-04-05
- PFRDA (Exits and Withdrawals under NPS) Regulations · checked 2026-04-05
- PFRDA (Exits and Withdrawals under NPS) Regulations · checked 2026-04-05
- PFRDA (Exits and Withdrawals under NPS) Regulations · checked 2026-04-05
- PFRDA investment guidelines, Active Choice equity ceiling · checked 2026-04-05
Related calculators
Goal SIP Calculator
Work backwards from a target: what monthly amount reaches it, in today’s money or inflated to the future price.
NPS Calculator
Corpus at 60, the compulsory annuity split, and the monthly pension that actually results.
Emergency Fund Calculator
How many months of cover your situation calls for, and what shifts the number up or down.
Understand what the number means
A figure on its own decides nothing. These explain what is being calculated and what changes it.