Knowledge Base

Retirement Corpus Planner

Required Corpus = Annual Expenses × (1+inflation)^years / Withdrawal Rate

Factor in 25-30 years of retirement (age 60-90). Life expectancy is increasing.

Healthcare costs can be 30-40% of retirement expenses — budget generously.

Create a retirement income ladder: EPF + PPF + NPS + SWP + SCSS for diversified income.

Don't forget: lifestyle expenses, travel, hobbies — retirement should be enjoyable, not just survivable.

Review your corpus annually and adjust withdrawal rate based on market conditions.

Pro Tip

The "replacement ratio" — you need 70-80% of your pre-retirement income to maintain lifestyle. Don't underplan.

Retirement Corpus Planner - Complete Guide

Everything you need to know about Retirement Corpus Planner and how to optimize your financial strategy.

Understanding the Formula

The core calculation is based on:

Required Corpus = Annual Expenses × (1+inflation)^years / Withdrawal Rate

Key Concepts & Rules

Factor in 25-30 years of retirement (age 60-90). Life expectancy is increasing.

Healthcare costs can be 30-40% of retirement expenses — budget generously.

Create a retirement income ladder: EPF + PPF + NPS + SWP + SCSS for diversified income.

Don't forget: lifestyle expenses, travel, hobbies — retirement should be enjoyable, not just survivable.

Review your corpus annually and adjust withdrawal rate based on market conditions.

Expert Strategy

The "replacement ratio" — you need 70-80% of your pre-retirement income to maintain lifestyle. Don't underplan.

How to use this Calculator?

1. Enter your specific values in the input fields above.
2. The calculator will render instant results as you type.
3. Check the breakdown table for year-by-year projections.
4. Adjust the inputs to see how different scenarios impact the final result.