🎯 Retirement Corpus Calculator
NISM Framework-based retirement planning engine. Calculate your exact retirement corpus needed, accounting for inflation-adjusted returns and lifestyle adjustments.
📋 Retirement Inputs
Enter your retirement parameters to calculate your corpus needs
❓ Frequently Asked Questions
What is the NISM Framework?▼
The NISM (National Institute of Securities Markets) Framework is a comprehensive retirement planning methodology that uses a 10-input data matrix and Inflation-Adjusted Real Rate of Return. It ensures your purchasing power doesn't erode during retirement by accounting for inflation in the post-retirement returns calculation.
What is the Real Rate of Return?▼
The Real Rate of Return is the inflation-adjusted return on your investments. Formula: Real Return = (1 + Nominal Return) / (1 + Inflation) − 1. It shows how much your money actually grows in purchasing power, not just in nominal value. For example, if you earn 7% but inflation is 6%, your real return is only ~0.94%.
How should I set expense reduction percentage?▼
Typically, 10-30% is realistic. Common reductions: work-related expenses (5-10%), eliminated loan payments (0-10%), reduced travel/entertainment (5-15%). Conservative approach: use 0% (assume same spending). Aggressive: 30%+ only if you have specific plans like debt payoff.
What's a realistic life expectancy to assume?▼
Use 85-90 for a conservative estimate (you'll have buffer). Current life expectancy in India is ~75 years, but with modern healthcare it's rising. The calculator helps you plan for longer, which is safer. If you live longer, it's a blessing—not a burden.
How accurate is this calculator?▼
This calculator uses the production-grade NISM framework verified against institutional standards. For the benchmark case (30→60→85, ₹50K expenses, 11% pre/7% post return), it produces exact results: ₹2,87,175 monthly expense at retirement, ₹3,80,68,935 corpus needed, ₹12,242 monthly SIP required. Real-world results may vary based on actual returns and inflation.