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Retirement by Expense Calculator

Calculate exact corpus required based on current monthly living expenses, post-retirement inflation, and life expectancy.

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Retirement Requirements Summary

Monthly Inflated Expenses At Retirement
₹1,72,305
Total Corpus Required At Retirement
₹2,05,98,922
Monthly SIP Needed To Build This Corpus
₹5,887
Inflation Impact & Corpus Chart
Expense Method: Evaluates inflation impact on your existing lifestyle cost and applies annuity present-value formulas to ensure your retirement capital lasts through your life expectancy.

Understanding Expense-Based Retirement Planning

Expense-Based Retirement Planning focuses on projecting your current monthly living expenses into the future by adjusting for medical and general cost-of-living inflation, then computing the exact nest egg required to maintain that standard of living throughout retirement.

Key Calculation Steps
  • 1. Inflated Expense: Monthly Expense at Retirement = Current Expense × (1 + Inflation Rate)^Years to Retire
  • 2. Required Corpus: Present Value of Annuity needed to fund post-retirement expenses across your life expectancy.
  • 3. Target SIP: Monthly SIP required during working years to accumulate the target corpus.
Calculator Disclaimer — One Source Financial Services (ARN: 48230)

This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.