Retirement Corpus Planner
Enter the corpus you want at retirement and how far away it is — the planner tells you the monthly investment needed to get there.
Runs entirely in your browser — your numbers never leave this page.
How it works
The planner reverses the SIP formula: given the corpus you need, it solves for the monthly investment:
Monthly SIP = Need × r ÷ (((1+r)n − 1) × (1+r))
- How big should the target be? The 4% rule: 25× your annual retirement expenses. Rs 12 lakh/year spending → Rs 3 crore corpus.
- Time is the biggest lever: starting 10 years earlier can halve the monthly amount needed, thanks to compounding.
- Existing savings count double: money already invested compounds for the full period with zero effort — Rs 5 lakh today at 12% is Rs 54 lakh in 20 years.
- Inflation is the silent target-raiser: Rs 3 crore in 25 years buys what ~Rs 1.4 crore buys today at 6% inflation. Consider targeting in today's money and stepping up the SIP yearly.
- Step-up SIPs (raising contributions 10%/year with salary hikes) reach the same target with a much smaller starting amount.
Frequently asked questions
How much should I save monthly for retirement?
Divide your target by time and returns: Rs 5 crore in 25 years at 12% needs ~Rs 43,000/month from zero. Existing savings reduce it — Rs 5 lakh already saved cuts ~Rs 4,600/month off.
How big a retirement corpus do I need?
The 4% rule: 25× annual expenses. Spending Rs 1 lakh/month (Rs 12L/year) → Rs 3 crore. Add buffers for medical costs and a longer life.
Does starting early really matter that much?
Enormously. Rs 20,000/month at 12% for 30 years → Rs 7 crore; for 20 years → Rs 2 crore. The last decade does most of the work through compounding.
What return should I assume?
10–12% for equity-heavy portfolios, 7–8% for debt-heavy. Use 10% for planning — it is better to be pleasantly surprised than short.
Should I factor in inflation?
Yes — 6% inflation halves purchasing power in ~12 years. Either target a bigger nominal corpus or plan step-up SIPs that grow with your salary.
What is a step-up SIP?
Raising your SIP ~10% yearly with salary hikes. It reaches the same corpus with a far smaller starting SIP — the most realistic plan for salaried investors.
EPF and NPS count toward retirement, right?
Absolutely — enter your existing EPF/NPS balance as "already saved" and keep contributing. Many employees are closer to their target than they think.
How do I catch up if I started late?
Three levers: save more (even 5% extra helps), take slightly more equity risk if your horizon allows, or push retirement by 2–3 years — each extra year is powerful.
Is Rs 1 crore enough to retire in India?
At 4% withdrawal it gives Rs 4 lakh/year (~Rs 33k/month) — tight for metros, workable in smaller cities. Most urban retirees need Rs 2–5 crore.
How often should I revisit the plan?
Yearly: bump the SIP with your raise, check you are on track, and shift toward debt in the last 5 years before retirement.