Connect today’s expenses, existing savings, pension and future contributions to a retirement corpus.
Free to use · No sign-up · Download your illustrationIllustrative constant-rate path. Real market returns vary; this is not historical performance.
Required starting retirement corpus at each assumed retirement return. A lower required corpus is not a promise of a better investment.
| Retirement year | Annual gap funded | Illustrative growth | Closing corpus |
|---|---|---|---|
| 1 | ₹23,09,138 | ₹34,57,022 | ₹5,28,43,053 |
| 2 | ₹24,47,686 | ₹35,27,676 | ₹5,39,23,043 |
| 3 | ₹25,94,547 | ₹35,92,995 | ₹5,49,21,491 |
| 4 | ₹27,50,220 | ₹36,51,989 | ₹5,58,23,260 |
| 5 | ₹29,15,233 | ₹37,03,562 | ₹5,66,11,589 |
| 6 | ₹30,90,147 | ₹37,46,501 | ₹5,72,67,944 |
| 7 | ₹32,75,556 | ₹37,79,467 | ₹5,77,71,855 |
| 8 | ₹34,72,089 | ₹38,00,984 | ₹5,81,00,749 |
| 9 | ₹36,80,414 | ₹38,09,423 | ₹5,82,29,758 |
| 10 | ₹39,01,239 | ₹38,02,996 | ₹5,81,31,516 |
| 11 | ₹41,35,314 | ₹37,79,734 | ₹5,77,75,936 |
| 12 | ₹43,83,432 | ₹37,37,475 | ₹5,71,29,979 |
| 13 | ₹46,46,438 | ₹36,73,848 | ₹5,61,57,388 |
| 14 | ₹49,25,225 | ₹35,86,251 | ₹5,48,18,415 |
| 15 | ₹52,20,738 | ₹34,71,837 | ₹5,30,69,514 |
| 16 | ₹55,33,982 | ₹33,27,487 | ₹5,08,63,019 |
| 17 | ₹58,66,021 | ₹31,49,790 | ₹4,81,46,787 |
| 18 | ₹62,17,983 | ₹29,35,016 | ₹4,48,63,821 |
| 19 | ₹65,91,062 | ₹26,79,093 | ₹4,09,51,852 |
| 20 | ₹69,86,525 | ₹23,77,573 | ₹3,63,42,900 |
| 21 | ₹74,05,717 | ₹20,25,603 | ₹3,09,62,786 |
| 22 | ₹78,50,060 | ₹16,17,891 | ₹2,47,30,617 |
| 23 | ₹83,21,064 | ₹11,48,669 | ₹1,75,58,222 |
| 24 | ₹88,20,327 | ₹6,11,653 | ₹93,49,547 |
| 25 | ₹93,49,547 | ₹0 | ₹0 |
National headline inflation for the stated month. A household’s future retirement expenses can change at a different rate.
A simple guide with a worked example, practical limitations and linked references. Read it before turning an illustration into a decision.
Read the Retirement guide →742 words · General education · Prasar Knowledge StudioFirst retirement-year expense = current expense × (1+inflation)^years. Real return = (1+return)/(1+inflation) - 1. Corpus funds beginning-year withdrawals over the chosen period.
A planning range, not a guarantee of lifelong adequacy. Healthcare costs, longevity, investment sequences, taxes and household circumstances can differ. Pension is assumed to keep pace with inflation after the first retirement year in this model.
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