Section 2 of 3
How large a retirement corpus do you actually need?
Rather than applying one inflation rate to everything, the planner inflates living costs, healthcare and one-time goals separately, then discounts the retirement years back to your retirement date.
Estimated corpus at retirement
₹10.82 Cr
Needed at age 60, funding roughly 28 retired years.
In today's purchasing power
₹2.38 Cr
Deflated at 6.0% pre-retirement inflation over 26 years.
Projected value of current plan
₹6.53 Cr
Existing assets plus ₹18,000 a month, compounded at 11.0%.
Corpus gap
₹4.28 Cr
Closing it needs about ₹23,962 more each month.
Assumptions
Every one of these is visible and editable. Change one and watch the estimate move — that sensitivity is the point.
How the corpus is computed
Projected annual living cost from today to retirement
Units: ₹ per year, nominal
Annual living cost rises from ₹6,84,000 today to ₹31,11,778 at age 60.
Assumption note: 6.0% general inflation applied to persistent spending only.
Cost streams by year: living, healthcare and education
Units: ₹ per year, nominal
Stacked annual costs showing living expenses, healthcare and any child-education years included in the plan.
Assumption note: education appears only if you switched it on in your profile, spread over four years from each child's eighteenth year.
What the corpus is made of
Units: ₹ at retirement date
Corpus composition: Living costs ₹7.15 Cr, Healthcare ₹2.51 Cr, One-time goals ₹68.24 L, Contingency reserve ₹48.26 L, Education (pre-retirement) ₹50.30 L.
| Component | Amount |
|---|---|
| Living costs | ₹7,14,63,273 |
| Healthcare | ₹2,50,63,825 |
| One-time goals | ₹68,24,074 |
| Contingency reserve | ₹48,26,355 |
| Education (pre-retirement) | ₹50,30,491 |
Assumption note: education is a pre-retirement cost and is shown separately — it is funded before retirement, not from the corpus.
Sensitivity: corpus under different assumptions
Units: ₹ required at retirement
Optimistic case ₹6,81,88,898, Base case ₹10,81,77,527, Conservative case ₹23,18,58,648
Conservative adds 1.5pp to inflation, subtracts return, and extends longevity by five years. Optimistic does the reverse. Treat the range, not the midpoint, as the answer.
Read this as a range
Next step