Retirement Calculator

Compute the SIP required to reach your retirement corpus — includes inflation, step-up SIP, and existing corpus options.

⚙️ 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

⚠️ 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.

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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.

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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.

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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.

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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.

❓ 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.