Retirement Corpus Explained
A retirement corpus is the total money you need at retirement to fund inflation-adjusted living expenses through your life expectancy. It is calculated from today's expenses, inflation, retirement duration, and post-retirement returns — not a fixed number like ₹1 crore.
Key Takeaways
- •Corpus = present value of future retirement expenses.
- •Inflation is the biggest variable — use 6.5%+ for Indian planning.
- •Longevity to age 85–90 is standard for urban planners.
FAQ
Is ₹1 crore enough for retirement?
For most urban retirees with ₹50,000+ monthly expenses, ₹1 crore is often insufficient for 25–30 years.