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How your total retirement corpus is calculated based on monthly savings and the power of long-term compounding.

Retirement Corpus Formula

C = P × { [(1 + r)ⁿ − 1] / r } × (1 + r)

r = Annual Return ÷ 12 · n = Years to Retirement × 12

What Each Variable Means

Retirement Corpus

Total wealth accumulated at the time of retirement

Monthly Savings

Fixed amount you save and invest every month

Monthly Return Rate

Expected annual return ÷ 12 (e.g. 12% → 0.01/month)

Total Months

Years to Retirement × 12 (e.g. 25 years = 300 months)

Worked Example

A 30-year-old plans to retire at 60, saving ₹15,000/month at 12% p.a.:

Applying the formula:

₹5.30 Crore

Retirement corpus for ₹15,000/month @ 12% p.a. over 30 years
Total Invested: ₹54,00,000 · Wealth Gained: ₹4,75,73,681