Multibagger stock ideas: New Retirement Corpus Calculator for best results

Retirement Corpus Calculator - Plan Withdrawals & Corpus

Estimate retirement corpus required, safe withdrawal, inflation adjustment, tax and projection with reinvest option.

Current Age

Retirement Age

Desired Monthly Income at Retirement

Current Monthly Expenses

Expected Annual Return Before Retirement (%)

Expected Annual Return After Retirement (%)

Expected Inflation p.a. (%)

Expected Retirement Years (life after retire)

Tax Rate on Withdrawals (%)

Current Savings Allocated for Retirement

Withdrawal Mode Systematic Withdrawal (fixed amount) Annuity-style (principal+interest) Lump-sum usage (periodic spend)

Currency INR USD

Show year-wise projection

Note: Results are estimates based on your inputs. Use realistic assumptions and revisit periodically.

Required Retirement Corpus

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Expected Monthly Income (post-tax)

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Years of Retirement Covered

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Shortfall / Surplus vs Current Savings

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You can download a CSV or copy a shareable link with your inputs for later review.

Year	Age	Projected Corpus	Inflation Adjusted Income

Planning your retirement corpus

Retirement planning is not only about a single number. It is a process of matching future living costs, expected lifestyle changes, and longevity risk with realistic investment returns and taxes. A retirement corpus calculator helps translate an income goal at retirement into the lump sum you need by that date. It also helps you see how inflation and taxes affect your purchasing power in retirement.

Key points to consider

Set a clear target monthly income at retirement based on the lifestyle you expect. Factor in health care, travel, and any planned expenses. Use conservative return assumptions and plan for inflation. Consider how much of your portfolio will be in growth assets versus safer fixed income after retirement. Finally, remember that taxes can significantly reduce disposable income, so model post-tax income when you plan.

Example scenario

As an example, consider someone aged 35 who wants a monthly retirement income in future terms. By entering current age, retirement age, expected returns before and after retirement, and inflation, the calculator shows the corpus required and projects how current savings may grow. This provides clarity on how much additional saving or investment is needed and whether strategies like increasing savings rate or delaying retirement are necessary.

Problems and practical solutions

Problem: Over-reliance on optimistic returns

Many plans assume very high returns, which may not be sustainable.

Solution

Run conservative scenarios, stress test with lower returns, and include a margin of safety in your plan.

Problem: Ignoring inflation and taxes

Ignoring these reduces real purchasing power.

Solution

Always model inflation-adjusted income and post-tax withdrawals so you know the net income you will actually have.

FAQs

Q: Can I include current savings?
A: Yes. The tool accepts current savings and shows surplus or shortfall.

Q: Does the tool assume any investment taxes?
A: The tool models tax on withdrawals based on the tax rate you provide. Consult a tax advisor for specific rules in your country.

Q: Is this financial advice?
A: No. This is an educational tool and not a substitute for professional advice.

Piyush Sharma

Qualifications: MBA (India), MBA (Australia), Master of Professional Accounting (Australia).

18+ years in the Indian stock market and running this website for 15+ years. Founder of PS International Group and Hamarijeet.com — popular for study-visa guidance, career help, government schemes, jobs and digital product updates.

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