Retirement Insurance Calculator
Estimate the inflation-adjusted retirement corpus you need and the protection gap to fill.
Inputs
yrs
yrs
INR
%
India long-term ~6%
INR
Result
Required Retirement Corpus
₹86,152,367.59
Covers 25 years of inflation-adjusted expenses
Future Monthly Expenses₹287,174.56
Projected Savings at Retirement₹5,031,328.44
Protection Gap₹81,121,039.15
Years to Retirement30 yrs
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Formula
requiredCorpus = monthly × 12 × (1 + infl)^years × yearsInRetirement; savingsAtRetire = currentSavings × (1 + expectedReturn)^years; gap = max(0, required − savingsAtRetire).
How it works
Retirement insurance is the protection against outliving your money. The required corpus depends on your future monthly expenses (inflation-adjusted) and how long you expect retirement to last.
Example
Example: 30-yr-old retiring at 60 with ₹50k monthly expenses today and 6% inflation needs a ~₹8.6 Cr corpus by retirement.
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Frequently Asked Questions
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Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.