Your Timeline
30 Yrs
60 Yrs
85 Yrs
Age you expect to live until
Financial Details
Amount you need per month to live comfortably
₹
EPF, PPF, Mutual Funds allocated for retirement
₹
Assumptions (Rates)
6%
12%
7%
Adjust expected return rates and inflation to see different scenarios.
Your Action Plan
Total Corpus Required
₹0
To sustain ₹0/mo in retirement
Required Monthly SIP
₹0
Invest this monthly to bridge the gap
FV of Existing Savings
₹0
Corpus Shortfall
₹0
Existing Savings (FV)
SIP Invested
SIP Returns
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Cost of Delay
Delaying your retirement SIP by just 5 years can double the monthly investment required to reach the same corpus. The best time to start is today.
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The Inflation Monster
At 6% inflation, a lifestyle that costs ₹50,000 today will cost nearly ₹2.87 Lakhs in 30 years. Your corpus must account for these soaring future costs.
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Safe Withdrawal
Post-retirement, your corpus should be moved to safer assets. We calculate the corpus such that your withdrawals plus inflation don't deplete it before your life expectancy.
❓ Top 10 Retirement Planning FAQs
Everything you need to know to secure your financial future.
It is a financial tool that helps you estimate the total amount of money (corpus) you will need to maintain your current lifestyle after you stop working. It considers inflation, expected returns, and your current savings to give you a required monthly investment (SIP) amount.
A general rule of thumb is the 70-80% rule. You will likely need 70% to 80% of your pre-retirement income to maintain your standard of living. However, in this calculator, we focus on your actual *current expenses* rather than income for a more accurate calculation.
Inflation slowly reduces the purchasing power of your money. An expense of ₹50,000 today might cost over ₹2.5 Lakhs after 30 years at 6% inflation. If you don't account for inflation, your corpus will run out much faster than anticipated during your retirement years.
Globally, the 4% rule is famous—meaning you can withdraw 4% of your corpus in the first year and adjust for inflation thereafter. However, in India, due to higher inflation, a safe withdrawal rate is usually considered to be around 3% to 4%. Our calculator uses precise real-return math rather than a flat rule.
Asset allocation is key. **Pre-retirement (Accumulation phase):** A heavy tilt towards Equity Mutual Funds (e.g., 12-14% expected return) helps beat inflation. **Post-retirement (Distribution phase):** The corpus should be shifted to safer, fixed-income assets like Debt Funds, SCSS, or FDs (e.g., 6-8% expected return) to preserve capital.
While EPF and PPF are excellent, safe debt instruments, they rarely beat inflation significantly over the long term. Relying solely on them might result in a corpus shortfall. Supplementing them with Equity Mutual Fund SIPs provides the necessary growth kicker.
Because you lose the power of compounding, starting late means you have to invest a significantly larger amount every month. For example, a 10-year delay can more than triple the required monthly SIP to reach the same retirement goal.
You should review your retirement plan at least once a year. Major life events like marriage, childbirth, significant salary hikes, or buying a house also warrant a reassessment of your retirement goals and current SIP amounts.
No, to keep calculations universally applicable, this calculator assumes pre-tax returns. Actual realized wealth may be slightly lower due to Long Term Capital Gains (LTCG) tax. It is prudent to aim for a slightly higher corpus to act as a tax buffer.
Sanchay Karo helps you invest seamlessly in top-performing mutual funds via SIPs. With a 100% paperless process, you can start building your retirement corpus today. We also offer expert curation of funds based on your timeline and risk appetite.
