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1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errors₹1.5 crore may be enough for one household and fall short for another. The right test is how much retirement-year spending the corpus can support over your retirement, after accounting for inflation, post-tax investment returns, pension income and other benefits.
For scale, the National Institute of Securities Markets (NISM) estimates that funding ₹1 lakh in monthly retirement spending for 20 years requires about ₹1.6 crore, assuming a 10% annual investment return and 5% inflation. Proportionally, ₹1.5 crore would support roughly ₹93,750 a month under those same assumptions. This is an illustration, not a personal recommendation; your result depends on your own inputs.
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What does a ₹1.5 crore target mean?
A corpus figure is useful only when paired with a spending level and a time horizon. It should also be clear whether the spending figure is in today’s rupees or in the rupees you expect to spend in your first year of retirement.
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NISM’s worked example puts the present value of 20 years of ₹1 lakh monthly retirement spending at ₹1,59,90,270, or about ₹1.6 crore, using a 10% annual investment return and 5% inflation. The example derives a 4.76% annual return after inflation from those assumptions. Scaling its corpus estimate proportionally, ₹1.5 crore equates to about ₹93,750 of monthly spending for the same 20-year horizon and assumptions. Neither figure guarantees that a real portfolio will deliver the assumed return or that the corpus will last.
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Inflation matters both before and after retirement. In NISM’s illustration, ₹50,000 in monthly expenses becomes ₹1,32,665 after 20 years at assumed annual inflation of 5%. That is a scenario, not a forecast. SEBI’s older investor-education example makes the same underlying point: a fixed corpus can lose purchasing power as prices rise. Its historical corpus example is not a current retirement benchmark.
How to calculate your retirement corpus
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Start with expenses likely to continue
List current recurring household expenses, then identify which are likely to remain, end or change after retirement. Separate one-off spending from regular costs. For example, an EMI or work-related expense may not continue, while health, housing or family costs may change. NISM’s guidance emphasizes that household spending varies, so use your own budget rather than a generic multiple of income.
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Project expenses to your retirement date
Choose an explicit inflation assumption and calculate what today’s continuing expenses could become by the time you retire. NISM’s calculator describes 4%–7% as an advisable assumption range; that is calculator guidance, not a prediction. Test more than one rate to see how sensitive your target is.
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Set the period your savings must support
Estimate your retirement age, expected lifespan and the number of years the corpus may need to fund spending. A longer retirement generally requires more resources. NISM’s calculator asks for current age, retirement age and expected lifespan to organize this estimate.
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Choose a realistic retirement-period return
Estimate the return on the assets you expect to hold during retirement, preferably after tax. NISM notes that retirement investments may include annuities, fixed-income products or government schemes, and cautions against assuming very high returns. The calculator’s illustrative working-period ranges—10%–15% for equity investments and 6%–9% for fixed-income investments—are not guaranteed outcomes and should not be treated as a forecast for a retirement portfolio.
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Include savings and income beyond the corpus
Account for existing retirement savings, pension income, EPF and other employer benefits, and any lump-sum benefits. These can reduce the amount that must be funded from the corpus. NISM’s calculator and SEBI’s Financial Goal Planner include relevant savings and benefits as inputs.
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Compare scenarios rather than relying on one result
Run alternatives for retirement age, lifespan, expenses, inflation and post-tax returns. SEBI says its variable-allocation output is approximate and may differ from the result on its retirement tab, so treat planner outputs as estimates, not promises.
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Use official calculators to organize your assumptions
The NISM Retirement Planning Calculator asks for expenses, age, inflation, returns, current savings and retirement benefits, then estimates monthly requirements and a corpus. The SEBI Financial Goal Planner includes retirement expenses, inflation before and during retirement, years to retirement, retirement duration, post-tax returns, investments, EPF contributions and lump-sum benefits.
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Enter consistent assumptions: if expenses are expressed in retirement-year rupees, do not inflate them a second time; if the return is meant to be after tax, avoid entering a pre-tax figure. Revisit the inputs if your retirement date, spending plans or expected income changes. A calculator can reveal which assumptions drive the result, but cannot determine a guaranteed corpus for an individual household.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What can change your target most?
- Retirement spending: A different monthly budget changes the amount the corpus must support. Exclude costs that will genuinely end, but include continuing and likely changing expenses.
- Inflation: Higher inflation raises the future cost of maintaining a lifestyle and erodes the purchasing power of a fixed balance.
- Retirement duration: More years of withdrawals usually mean a larger funding need.
- Net returns: The return earned after tax during retirement affects how long savings can support withdrawals. A higher assumption can make a target look smaller, but is not a guarantee.
- Other income and benefits: Pension, EPF, existing investments and employer benefits can reduce the portion that savings need to cover.
Where NPS fits
The National Pension System can be one component of a broader retirement plan, but it is not interchangeable with a freely accessible savings balance. Scheme choice and exit conditions affect access to the money and should be checked against current Pension Fund Regulatory and Development Authority information before relying on NPS for a particular retirement cash flow. See the PFRDA website for current scheme information; rules may change.
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