Retirement Planning SIP Calculator
Build a substantial retirement corpus through systematic investment planning. Calculate SIP amount for financial independence and a comfortable retired life.
Detailed annual progress of your SIP investment journey
Track your journey to key financial goals
6 out of 6 milestones achieved in 30 years
Key metrics of your SIP investment
Expected Annual Return
Wealth Multiplier
Returns vs Investment
Retirement Planning Formulas
Formulas to estimate retirement corpus, post-retirement income, and required savings.
Corpus = Current Expenses × 12 × (1 + Inflation Rate)^Years × (1 / Withdrawal Rate)Example:
Current monthly expenses of ₹50,000, 6% inflation for 20 years, 4% withdrawal rate
Variables:
SIP = (Corpus - Current Savings) / [((1 + r)^n - 1) / r] × (1 + r)Example:
To accumulate ₹6,41,42,700 in 20 years with 12% annual return, starting with ₹50,00,000
Variables:
These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.
Retirement Corpus Calculation
- Target: 25-30x annual expenses
- Healthcare inflation: 10-12% annually
- Lifestyle inflation: 6-8% annually
- Start planning from age 25-30
Investment Strategy
- Age 25-40: 80% equity, 20% debt
- Age 40-50: 60% equity, 40% debt
- Age 50-60: 40% equity, 60% debt
- Post-retirement: Conservative allocation
Retirement Income Sources
SIP Investments (60%)
Primary wealth builder through equity mutual funds
EPF/PPF (25%)
Government schemes with tax benefits
NPS (10%)
National Pension System for additional corpus
Real Estate (5%)
Property investments for diversification