What is a retirement corpus gap?

The gap between your projected corpus (from current savings + SIPs) and the required corpus (to fund expenses until life expectancy). A negative gap means shortfall — you need to save more, retire later, or spend less.

How to calculate retirement savings gap?

Gap = Required Corpus - Projected Corpus. Required corpus = Annual Retirement Expenses × 25-30. Projected corpus = FV of existing investments + FV of future SIPs until retirement.

How can I bridge my retirement corpus gap?

Key levers: (1) Increase monthly SIP, (2) Delay retirement by 2-3 years (powerful compound effect), (3) Reduce post-retirement expenses, (4) Work part-time for a few years (Barista FIRE), (5) Invest in higher-return equity assets earlier.

Retirement Corpus Gap

Analyze your retirement shortfall across optimistic, base, and pessimistic scenarios — and find strategies to bridge the gap.

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Documentation

Quick Summary: Retirement Corpus Gap

The Retirement Corpus Gap is the difference between your projected savings at age 60 and the actual amount needed to maintain your lifestyle. In FY 2026-27, with inflation at ~6%, even a ₹2 Crore gap can be bridged by increasing your monthly SIP by just ₹10,000 if you have 20 years of service remaining.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.