Step-Up SIP automatically increases your SIP contribution each year by a fixed percentage, allowing you to invest more as your income grows and reach your retirement goals faster.

Why does Invested show dash in withdrawal years?

During retirement withdrawal years, no new SIP contribution is added. The table shows a dash in Invested to distinguish withdrawal years from accumulation years.

Retirement Calculator India – Calculate SIP Required for Retirement Corpus

Q: What is a retirement corpus?

A retirement corpus is the total amount of money required at the beginning of retirement to sustain your desired lifestyle for the rest of your life.

Q: How does inflation affect my retirement goal?

Inflation reduces the purchasing power of money over time. The calculator adjusts your future expenses by accounting for inflation to ensure your retirement goal retains real value.

Q: Can I include my existing investments?

Yes. You can include your existing savings or investments in the calculator to get a more accurate estimate of your future retirement corpus.

Q: How accurate are the projections?

The projections are based on mathematical calculations and assumed rates of return. They are for illustration purposes and not guaranteed. Actual results depend on market performance and inflation.

Q: What key assumptions are not included?

This calculator does not explicitly model taxes, fund costs, sequence-of-returns risk, or one-time emergency expenses unless users include these through their assumptions.

Q: What are the main input ranges?

Typical slider ranges are age 18 to 60, retirement age 30 to 75, life expectancy 60 to 100, inflation 0 to 15 percent, and monthly expense up to 5 lakh rupees.

Q: Can I download my retirement report?

Yes. Use the Download PDF button in the year-wise section to export your current inputs, outputs, and yearly breakdown.

Current Age (yrs)

Retirement Age (yrs)

Life Expectancy (yrs)

Current Monthly Expense (₹)

Inflation (%)

Expected Return (Accumulation %)

Expected Return (Post-Retirement %)

⚙️ Advanced Settings ▼

💡 Advanced Settings let you include expected monthly income during retirement, add your existing corpus, and enable a Step-Up SIP to increase investments yearly.

Required Monthly SIP₹0

Inflation-adjusted Monthly Need₹0

Total Invested Till Retirement₹0

Corpus at Retirement₹0

Monthly Income in Retirement ₹0

Years Corpus Will Last—

⚠️ Results are illustrative. Use for planning purposes only.

💡 Understanding Retirement Planning

Achieve a secure retirement with smarter, structured planning. Use SIP, step-up, and inflation-adjusted strategies to build and sustain your retirement corpus.

💰

SIP vs Existing Corpus

Build your retirement fund with regular SIPs, or boost your plan by including your existing savings. The calculator combines both for a realistic projection.

⚠️

Inflation: The Silent Wealth Killer

At 6% inflation, ₹1 lakh monthly expenses today will need ₹3.2 lakhs in 20 years. Always plan for inflation to protect your lifestyle.

🚀

Step-Up SIP: Grow With You

Increase your SIP each year as your income grows. Step-Up SIP helps you reach big goals with a smaller starting amount, making retirement planning easier.

📆

Sustainable Withdrawals

Estimate safe monthly withdrawals from your corpus after retirement, so your savings last your lifetime.

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Advanced Planning Tools

Add expected income sources, adjust for inflation, and personalize your plan with step-up SIPs and existing corpus options.

🧮 Methodology, Assumptions & Reference

This calculator uses monthly compounding logic for both accumulation and withdrawal phases, and is intended for planning guidance only.

Methodology Used

Future monthly expense at retirement is calculated by annual inflation compounding from current monthly expense.
Required retirement corpus is solved by reverse monthly projection across retirement years using post-retirement return and monthly withdrawals.
Accumulation corpus is projected monthly using expected return, with optional existing corpus and optional annual Step-Up SIP.
Expected monthly income (if enabled) is treated as fixed monthly support during retirement and reduces withdrawal need.

Input Bounds & Defaults

Input	Default	Range
Current Age	35	18 to 60 (slider), validation supports up to 85
Retirement Age	60	30 to 75 (slider), must be greater than current age
Life Expectancy	85	60 to 100 (slider), must be greater than retirement age
Current Monthly Expense	₹50,000	₹1,000 to ₹5,00,000
Inflation	6%	0% to 15% (slider), validation supports up to 50%
Accumulation Return	12%	0% to 20% (slider), validation supports up to 50%
Post-Retirement Return	6%	0% to 15% (slider), validation supports up to 50%

Worked Example Scenarios

Base Plan: Age 35, retire at 60, expense ₹50,000, inflation 6%, returns 12%/6% → use this to estimate required SIP and target corpus.
With Existing Corpus: Add current investments to reduce required new SIP.
With Step-Up SIP: Use annual step-up when you expect income to grow; this can lower starting SIP compared to a flat SIP.

What This Calculator Does Not Model

Taxes, fund expense ratios, transaction costs, and sequence-of-returns risk.
Lifestyle shocks or one-time retirement expenses unless manually included in your expense assumption.
Dynamic pension growth (expected monthly income is considered fixed in current logic).

❓ Frequently Asked Questions (FAQ)

💡 What is a retirement corpus?

It is the total amount of money you’ll need at the start of retirement to maintain your desired lifestyle for the rest of your life.

📈 How does inflation affect my retirement goal?

Inflation reduces the future purchasing power of money. The calculator adjusts your monthly expenses to account for this.

💰 Can I include my existing investments?

Yes. You can toggle “Include Existing Corpus” to factor in your current savings or investments.

⚙️ What is Step-Up SIP?

A Step-Up SIP increases your investment annually by a fixed percentage, allowing you to invest more as your income grows.

📊 How accurate are the projections?

They are based on mathematical formulas and do not guarantee future returns. Use them as a guide for planning purposes.

🧾 Does expected monthly income increase with inflation in this calculator?

No. In the current model, expected monthly income is treated as a fixed amount during retirement. Inflation is applied to expenses.

📌 What key assumptions are not included?

This calculator does not model taxes, fund costs, sequence-of-returns risk, or one-time emergency expenses unless you include them in your own assumptions.

🔢 What are the main input ranges?

Typical slider ranges are: age 18–60, retirement age 30–75, life expectancy 60–100, inflation 0–15%, and monthly expense up to ₹5,00,000.

📄 Can I download my retirement report?

Yes. Use the Download PDF button in the year-wise section to export your current inputs, outputs, and yearly breakdown.

➖ Why does “Invested” show “—” in withdrawal years?

During retirement withdrawal years, no new SIP contribution is added. So the table marks Invested as “—” to avoid confusion with accumulation years.