Retirement SIP Planner

It depends on your future annual expense (today’s expense grown by inflation) and how long the corpus must last. A common framework targets a corpus large enough that a sustainable withdrawal — often discussed around 3–4% a year, adjusted for inflation — covers your expenses. This calculator produces a specific number for your inputs rather than a generic multiple.

Because retirement can be 25–30 years away and last another 25–30 years. At 6% inflation, expenses roughly double every 12 years — so an expense of ₹50,000 a month today could be well over ₹1.5 lakh a month by the time you retire. Planning in today’s rupees under-states the corpus you actually need.

No, but the monthly amount required rises the later you start, because you lose years of compounding. Starting later usually means investing a larger share of income, working a little longer, or moderating the target — this calculator shows the trade-off clearly so you can choose.

In retirement the corpus shifts from growth to income. A common approach keeps a few years of expenses in low-volatility instruments and draws a regular income — often through a Systematic Withdrawal Plan (SWP) — while the rest stays invested for growth to counter inflation over a 25–30 year retirement. The Safe Withdrawal Rate and SWP calculators model this drawdown phase.