Retirement Corpus & SWP Calculator (2025) – Estimate Retirement Income & Required Savings

🟦 Introduction

Retirement planning is one of those financial goals everyone thinks about… but very few actually calculate properly.

Most people just invest blindly and hope the money lasts.
The reality is—you must plan for:

• inflation before retirement

• inflation during retirement

• current lifestyle cost

• future living expenses

• increasing withdrawal needs

• return before & after retirement

This is why we built the Retirement Corpus + SWP Calculator—one single tool that calculates:

✔ the corpus you’ll need
✔ the corpus you will actually have
✔ how long your money will last
✔ whether your current plan is enough
✔ how much monthly SIP you should actually do

This turns retirement planning into simple YES/NO math.

🟦 Use the Calculator Below

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🟦 What makes this retirement calculator unique

Unlike regular calculators, this one includes:

✔ Inflation before retirement

(Current lifestyle becomes expensive 20–30 years later)

✔ Inflation during retirement

(Everything continues to get expensive)

✔ Expected post-retirement returns

✔ Monthly SWP withdrawals

✔ Life expectancy planning

✔ Shortfall or Surplus

✔ Step-up contribution

If your income increases every year, your SIP should too.

Most calculators ignore these.
This one doesn’t.

🟦 How this calculator works

Step-1

We estimate your future monthly expenses by adjusting today’s spending for inflation

Example:
₹40,000 today may become ₹1–1.5 lakh at retirement

Step-2

We estimate how much lump-sum corpus you need based on:

• desired retirement income

• expected return in retirement

• inflation during retirement

• number of years in retirement

Step-3

We project your future retirement corpus based on:

• current savings

• monthly SIP

• annual step-up

• returns before retirement

Step-4

We calculate the gap—surplus or shortfall

Step-5

We calculate the required monthly SIP you should invest to fix that gap.

🟦 Example

Suppose you’re 34 today and want to retire at 60.

Current monthly cost: ₹40,000
Inflation: 5%

Your future monthly cost might be around:

₹1.4 lakh per month

Which means, you may need roughly:

₹2.8–3 crore corpus

(In today’s value that’s around ₹1 crore, but inflation changes everything.)

🟦 Powerful SWP Feature

Even after retirement, your corpus continues compounding.
So instead of withdrawing the entire money, you can:

• invest corpus in moderate instruments

• withdraw what you need

• keep the rest growing

This is the power of SWP (Systematic Withdrawal Plan).

🟦 Key Outputs You’ll Get

✔ Required retirement corpus
✔ Projected corpus
✔ Total amount you’ll invest
✔ Monthly income at retirement
✔ Required monthly SIP
✔ Shortfall or surplus
✔ How long money will last

🟦 Who should use this calculator

• Salaried employees

• Business owners

• Self-employed

• NRI professionals

• Early retirement (FIRE) planning

• Parents planning lifestyle stability

• Anyone above 25

🟦 How to read these results (⚡ MUST READ)

When you calculate, you will see numbers like:

👉 Required Corpus

This shows how much money you need at retirement to maintain your lifestyle for the rest of your life.

👉 Projected Corpus

How much you are likely to accumulate based on your current plan.

👉 Surplus / Shortfall

If projected corpus is lower → shortfall
If higher → surplus

This tells you if your current plan is enough.

👉 Required Monthly SIP

This is the MOST important number.
If you are not investing this much every month, you will not reach your retirement comfort zone.

👉 Corpus Longevity

This tells you how long your corpus will last under SWP.
If it lasts less than your life expectancy—
you must increase saving.

🟦 What to do if you see a shortfall

Here are 3 easy adjustments:

✔ Increase monthly SIP
✔ Increase annual step-up
✔ Reduce expenses now
✔ Delay retirement
✔ Improve return expectation
✔ Increase post-retirement return

Small changes make huge differences over 20–30 years.

🟦 Pro Tips

1️⃣ Start early

Compounding is slow initially—but explosive later.

2️⃣ Increase SIP every year

Even 10% step-up makes a massive difference.

3️⃣ Assume conservative returns

Better to be pleasantly surprised later.

4️⃣ Inflation matters most

Do not underestimate lifestyle inflation.

🟦 FAQs

What is retirement corpus?

The total amount you need at retirement to live comfortably without salary income.

What is SWP?

Systematic Withdrawal Plan → you withdraw monthly income from your invested corpus.

Will this calculator include taxes?

No, this is a pre-tax estimation. Income during retirement may be taxable based on rules.

Which inflation number should I use?

Use 5%–7% for India as a general benchmark.

Which return assumption should I use?

Before retirement: 10%–12%
During retirement: 6%–8%

🟦 Final Thoughts

Retirement planning is NOT about becoming rich.
It’s about making sure your money lasts longer than you do.

This calculator helps you:

• forecast your future lifestyle needs

• adjust for inflation

• plan income during retirement

• check shortfall

• fix your SIP contribution

• become retirement-ready with confidence

Start early.
Stay consistent.
Increase contributions.
And let compounding do the rest

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Note: Please do your own research and make investment. Moneycontain will not be responsible for any of your losses at all. The point made is for educational purpose only and intended to give information. All investments are subject to risks, which should be considered prior to making any investments.

🟥 Important Disclaimer

This tool is for educational and estimation purposes only. Mutual fund or investment returns are market-based and cannot be guaranteed. Consult a qualified financial planner for personalised advice based on your risk profile and goals.