Skip to content
Toolspire

Calculators

Retirement Corpus Calculator

Retirement Corpus Calculator is part of Toolspire and is ready as soon as this page loads. This is the future value of a fixed monthly deposit over the years you have left to work. It is not a pension quote.

Runs in this tabFreeNo account

On this page

What you can do here

Formula on the page

The corpus is a monthly SIP compounded every month until the retirement year you type.

A second figure

At 0% return, the corpus equals monthly amount × 12 × years.

Not uploaded

The inputs stay in this browser.

The sequence

How to use the Retirement Corpus Calculator

  1. 1

    Match the time unit

    Monthly fields want a monthly number. Yearly fields want a yearly number.

  2. 2

    Try a cautious rate

    If there is a return, run it again two percentage points lower and plan with that.

  3. 3

    Use the detail line

    It states the deposit, the gap, or the gain that sits inside the headline number.

Worth knowing

  • Retirement Corpus Calculator on Toolspire: the corpus is a monthly SIP compounded every month until the retirement year you type.
  • There is no annuity in this figure. It is the pot, not a monthly pension.
  • At 0% return, the corpus equals monthly amount × 12 × years.
  • A lower return late in the term matters more, because the balance is largest then.

Before you treat this as a plan

The formula is the future value of an annuity: each month you add the deposit, then the balance grows by annual return divided by 12. It ignores taxes, fund expenses and the chance that you pause the SIP.

FAQ

Questions about Retirement Corpus Calculator

Where does Retirement Corpus Calculator run?

Retirement Corpus Calculator runs in this tab on Toolspire. What you type or drop in is not sent to us and is not stored on a server.

What does this retirement number mean?

It is the projected value of a fixed monthly investment at the return you typed. Spending it later is a separate decision.

Does it include EPF or NPS?

Only if you type those contributions as the monthly amount. The page does not know your salary.

Why is my SIP calculator different?

A step-up SIP raises the instalment. This one keeps the monthly amount flat for the whole career.

Is the return after inflation?

No. If you type 10% and inflation is 6%, the real growth is closer to 4%. Type a real rate if you want today’s purchasing power.

Keep going

Related tools

SIP CalculatorNewSIP Calculator on Toolspire: Calculate SIP returns for any monthly investment, rate and period — with yearly step-up, a lump sum, inflation.CalculatorsStep-up SIP CalculatorNewProject a monthly SIP that increases by a fixed percent each year, and separate the money you deposit from the gain. Open Step-up SIP Calculator on Toolspire.CalculatorsEmergency Fund CalculatorNewEmergency Fund Calculator on Toolspire. Turn monthly essential expenses into an emergency fund of 3, 6 or 12 months.CalculatorsEMI CalculatorNewEMI Calculator on Toolspire. Calculate your loan EMI, total interest and full repayment schedule instantly. See yearly charts.CalculatorsBMI CalculatorNewBMI Calculator on Toolspire: Enter height in feet or cm and weight in kg or lb to see your BMI, WHO or Asian (Indian) category and healthy weight range.CalculatorsAge CalculatorNewAge Calculator on Toolspire. Calculate your exact age in years, months and days, the next birthday countdown and age on any date.Calculators

Open the full directory

Last updated Report a problem or suggest a feature