What is a Retirement Corpus?

Your retirement corpus is the total pile of money you'll have accumulated by the time you stop working. It's what funds the rest of your life — every bill, every trip, every expense after your last paycheck. Getting a rough estimate of that number isn't just useful; it's the first real step in planning a retirement you can actually live comfortably in.

How This Simplified Calculator Works

This tool applies the same math as a SIP calculator, using the future value formula for regular monthly payments compounded over time. The core question it answers is: if you set aside X amount every month starting now, how much will you have when you retire?

• You enter your current age, the age you want to retire, how much you can save each month, and the annual return rate you're targeting on your investments.
• The calculator applies the future value formula for an annuity — a series of regular equal payments — to project what that monthly saving habit adds up to by retirement age.
• The output breaks down the estimated total corpus into two parts: what you personally put in over the years, and how much compounding added on top. That gap is usually the surprising part.

Why It's Important

Even as a simplified model, this calculator illustrates something important: starting early makes an enormous difference. The pie chart often shows that over a long investment horizon, the wealth gained from returns can easily outpace the total amount you personally saved. That's not magic — it's compounding given enough time to work. Use this as a starting point to set a realistic monthly savings target and keep yourself honest about whether you're on track.

Disclaimer: This is a basic projection and doesn't account for inflation, taxes, or changes in your financial situation. For a comprehensive plan, it's always best to consult a professional financial advisor.