Retirement Planning Calculator
Corpus you need + monthly SIP to get there.
Uses the 4% withdrawal rule: a corpus of 25× annual expenses. Assumes steady returns — review yearly with real numbers.
How it works
First we inflate today's monthly expenses to retirement age. Then we size a corpus that can fund that spending at a 4% yearly withdrawal rate. Finally we compute the monthly SIP needed to build that corpus at your expected return.
Example
Spending ₹50,000/month today, retiring in 25 years with 6% inflation and 12% returns: you need a corpus of about ₹6.4 crore, built with roughly ₹34,000/month SIP.
FAQs
What is the 4% rule?
A rule of thumb: you can withdraw ~4% of your corpus yearly (adjusted for inflation) without running out over a 25–30 year retirement. So corpus ≈ 25× yearly expenses.
Why does inflation matter so much?
At 6% inflation, prices quadruple in 25 years. A ₹50,000 lifestyle today needs over ₹2 lakh/month then. Ignoring inflation is the biggest retirement mistake.
Should I invest only in equity?
Equity for long horizons, shifting gradually to debt as retirement nears. Most planners glide from aggressive to conservative over the final decade.