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Retirement Planner

Retire on your own terms. Plan it on paper first.

Eight simple inputs. Find the corpus you need to keep your lifestyle running, and the monthly SIP that gets you there.

Corpus you need at retirement
₹8,23,70,609
To fund 25 years of retirement starting at 60, at today's ₹60,000/month lifestyle.
Monthly SIP required
₹19,091
For the next 30 years
Expenses at retirement
₹3,44,609
Adjusted for inflation
Years to compound
30
Every year matters
Plain-English insights
  • You'll need about ₹8,23,70,609 at 60 to fund 25 years of retirement.
  • Start a monthly SIP of ₹19,091 today and stay disciplined for the next 30 years.
  • Retiring 2 years later would cut the required SIP by roughly 21%.
What this tool assumes

Expenses grow at the inflation rate you set. We use a real-return annuity model to compute the corpus that will last through retirement, and a level monthly SIP at the pre-retirement return rate to reach it. Real returns are lumpy and inflation is uneven — re-check every year around Diwali.

Common questions
How much do I really need to retire?

A common rule: 25× your annual expenses at retirement. Spending ₹6 lakh a year? You need ~₹1.5 crore. This tool inflates today's expenses forward and back-calculates.

What's the 4% rule?

If you withdraw 4% of your corpus in year one and adjust for inflation each year after, the money should last ~30 years. It comes from US data — in India, use 3.5% to be safer.

Should I count EPF and PPF?

Yes. Add EPF, PPF and any real estate rent you plan to keep, then compute how much more corpus you still need to build.

Is 6% inflation the right number?

India's long-term CPI is 5–6%. But healthcare inflates faster (~10%) and it's a big retirement cost. Plan on the higher side.

What return should I assume after retiring?

6–8% is realistic — you'll be mostly in debt/hybrid funds by then. Stay away from 12% assumptions when the corpus is what's paying your bills.

How this is calculated
Corpus = Annual expense × (1 + inflation)ʸ × 25 | SIP = FV target / SIP factor

We inflate today's annual expense forward to retirement age, apply a 25× rule for the corpus target, then compute the monthly SIP required to reach that corpus at your expected pre-retirement return.

Assumptions
  • You want the corpus to last 30 years (basis 4% rule).
  • Inflation is uniform every year.
  • Return is smooth and doesn't drop before retirement.
What it can't tell you
  • Healthcare inflates faster than 6% — a real corpus needs a buffer.
  • Doesn't handle EPF/PPF partial credits, rental income or inheritance.

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