Employee money guide

How Much Retirement Corpus Do I Need?

Estimate retirement corpus using expenses, inflation, retirement age, life expectancy, and expected returns.

Direct Answer

Your retirement corpus depends on future expenses, inflation, retirement age, life expectancy, existing assets, and expected post-retirement returns.

Key Takeaways

Inflation is the biggest retirement planning variable.
Current expenses need to be converted into future expenses.
Retirement planning should be reviewed regularly.

Start with expenses

Estimate current annual expenses and adjust for lifestyle changes, healthcare, dependents, and inflation.

Review assumptions

Retirement age, life expectancy, return assumptions, and healthcare costs can change the required corpus significantly.

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FAQs

Can one formula tell my retirement corpus?

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A formula can estimate, but personal expenses, inflation, health, dependents, and existing assets must be considered.

Reviewed by the Saventh Financial Literacy Team. Educational information for Indian employees — not personalised advice. Mutual fund investments are subject to market risk. Saventh AMFI ARN 324457.

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