What is a retirement corpus?

A retirement corpus is the total pool of savings and investments you need to accumulate by your retirement date to sustain your living expenses.

FIRE & Retirement

Retirement Corpus Calculator

Determine the target corpus required to sustain your lifestyle throughout your retirement years.

Calculator Inputs

Current Age

Retirement Age

Annual Expenses Today ($)

Current Portfolio ($)

Monthly SIP ($)

Expected Annual Return (%)

Expected Inflation Rate (%)

Retirement Readiness:88.6%

$1.64M

$885.79K

Purchasing Power Lost

46.1%

Real Wealth Insight

Inflation-Adjusted

$1.64M

$885.79K(-46%)

Inflation Loss Intensity46.1%

Inflation at 2.5% erodes $756.42K in buying power over 25 years.

Key Strategic Takeaway

With annual expenses of $40,000, your FIRE target is $1M (real) → $1.85M nominal in 25 years. Based on current savings and SIP, projected corpus is $1.64M ($885.79K real) — 89% of goal.

Actionable Next Steps

Step-Up SIP Calculator

Inflation is eating 46% of your returns. Try increasing your investments annually to beat it.

Target Corpus Calculator

See exactly how much you need to invest monthly to reach your actual goal after inflation.

FIRE nest egg target (real terms)$1M

FIRE nest egg target (nominal terms)$1.85M

Savings Growth to Retirement Age

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Return Scenario Comparisons

Conservative (-2%)

6.0% Return

$1.13M

$607.16K

Power Lost:46.1%

Expected (Base)

8.0% Return

$1.64M

$885.79K

Power Lost:46.1%

Optimistic (+2%)

10.0% Return

$2.42M

$1.31M

Power Lost:46.1%

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Methodology: Mathematical FormulasData Sources: Inflation & Tax CitationsDisclaimer: Legal Disclosures

Calculation Methodology & Formulas

The retirement corpus is computed based on expected inflation and returns:

Required Corpus = Annual Expenses × [(1 - (1+i)^-n) / i]

Real-World Compounding Projections

Sustaining a $60,000/year lifestyle

To sustain a $60,000/year real lifestyle for 30 years in retirement, you need a starting real corpus of $1,500,000, which compounds and adjusts for inflation.

Frequently Asked Questions (FAQ)

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