Retirement Planning SIP Calculator

Build a substantial retirement corpus through systematic investment planning. Calculate SIP amount for financial independence and a comfortable retired life.

Retirement Planning

Wealth Building

Financial Independence

Security Planning

Select Financial Goal

Build corpus for financial independence and retirement

Goal Amount (Today's Value)

₹

₹1L₹2Cr

Current Savings for this Goal

₹

₹0₹15.00 L

Investment Period

years

1 year50 years

Expected Annual Return

5%20%

Consider Inflation

2%15%

Today's Value:₹15.00 L

Future Value:₹47.58 L

Required Monthly SIP

₹0

Goal may not be achieved with current settings

Retirement Planning

Risk Profile: moderate

Total Invested

₹0

Estimated Returns

₹0

Maturity Amount

₹0

Consider increasing SIP or investment period

Goal vs Achievement

Target Amount₹47.58 L

Expected Amount₹0

Surplus/Deficit₹-47,58,254

Goal Achievement Chart

Track your progress towards your goal

Goal Amount

₹5,74,34,912

Today's value: ₹1,00,00,000

Maturity Amount

₹1,00,00,000

Below target

Achievement Timeline

Not achievable

With current plan

Investment Growth Over Time

Invested

Value

Goal

Year 0

₹0K

Year 3

₹3.9L

Year 6

₹9.3L

Year 9

₹16.9L

Year 12

₹27.6L

Year 15

₹42.6L

Year 18

₹63.7L

Year 21

₹93.3L

Year 24

₹1.3Cr

Year 27

₹1.9Cr

Year 30

₹2.8Cr

Key Insights

Total Returns:₹69,40,000

Return Percentage:226.8%

Monthly SIP:₹8,500

Investment Period:30 years

Year-wise SIP Breakdown

Detailed annual progress of your SIP investment journey

Year

Monthly SIP

Annual Investment

Cumulative Investment

Portfolio Value

Annual Returns

Total Returns

2025

₹8,500

₹1,02,000

₹1,08,120

+₹6,120

₹6,120

2026

₹8,500

₹1,02,000

₹2,04,000

₹2,29,214

+₹19,094

₹25,214

2027

₹8,500

₹1,02,000

₹3,06,000

₹3,64,840

+₹33,626

₹58,840

2028

₹8,500

₹1,02,000

₹4,08,000

₹5,16,741

+₹49,901

₹1,08,741

2029

₹8,500

₹1,02,000

₹5,10,000

₹6,86,870

+₹68,129

₹1,76,870

2030

₹8,500

₹1,02,000

₹6,12,000

₹8,77,414

+₹88,544

₹2,65,414

2031

₹8,500

₹1,02,000

₹7,14,000

₹10,90,824

+₹1,11,410

₹3,76,824

2032

₹8,500

₹1,02,000

₹8,16,000

₹13,29,843

+₹1,37,019

₹5,13,843

2033

₹8,500

₹1,02,000

₹9,18,000

₹15,97,544

+₹1,65,701

₹6,79,544

2034

₹8,500

₹1,02,000

₹10,20,000

₹18,97,369

+₹1,97,825

₹8,77,369

Financial Milestones

Track your journey to key financial goals

₹1 Lakh

Year 1

₹5 Lakh

Year 4

₹10 Lakh

Year 7

₹25 Lakh

Year 12

Progress Summary

6 out of 6 milestones achieved in 30 years

Investment Performance

Key metrics of your SIP investment

Expected Annual Return

12%

Compounded annually

Wealth Multiplier

3.3x

Your money grows by this factor

Returns vs Investment

227%

Returns as % of total investment

Retirement Planning Formulas

Formulas to estimate retirement corpus, post-retirement income, and required savings.

Estimated Retirement Corpus

Calculate the corpus needed at retirement to maintain your desired lifestyle.

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

50,000 × 12 × (1 + 0.06)^20 × (1 / 0.04)

= ₹6,41,42,700

Variables:

Current Expenses - Current monthly expenses

Inflation Rate - Expected annual inflation rate (as decimal)

Years - Years until retirement

Withdrawal Rate - Safe annual withdrawal rate (e.g., 4%)

Required Monthly SIP

Calculate the monthly SIP needed to accumulate the retirement corpus.

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

(6,41,42,700 - 50,00,000) / [((1 + 0.12/12)^(20*12) - 1) / (0.12/12)] × (1 + 0.12/12)

= ₹50,000

Variables:

Corpus - Target retirement corpus

Current Savings - Existing retirement savings

r - Monthly return rate (Annual rate ÷ 12)

n - Total number of months for investment

These formulas provide the mathematical foundation for the calculations. Actual results may vary based on rounding, compounding frequency, and specific lender policies.

Retirement Planning Strategy for Indians

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

Beat Inflation Impact

Plan for 6% general inflation and 10-12% healthcare inflation. Build wealth that maintains purchasing power over 30+ years.

Financial Independence

Calculate exact corpus needed for 25-30x annual expenses. Achieve complete financial independence through systematic planning.

Stress-free Retirement

Enjoy retirement without financial worries. Maintain your lifestyle and handle healthcare expenses comfortably.

Frequently Asked Questions

Find answers to common questions about goal-based SIP planning and financial planning strategies.

What is goal-based SIP planning?

Goal-based SIP planning involves investing systematically in mutual funds with specific financial objectives in mind. Instead of investing randomly, you define clear goals (like education, marriage, retirement) and calculate the required monthly investment to achieve them within a specific timeframe.

How does inflation affect my financial goals?

Inflation erodes purchasing power over time. What costs ₹1 lakh today might cost ₹2-3 lakhs in 15-20 years. Our calculator includes inflation adjustment to show the realistic future cost of your goals, helping you plan adequately for actual financial needs.

Should I have separate SIPs for different goals?

Yes, it's advisable to have separate SIPs for different goals as they have different time horizons and risk profiles. Short-term goals (1-3 years) need conservative investments, while long-term goals (10+ years) can have higher equity allocation for better returns.

What if I can't invest the calculated SIP amount?

Start with whatever amount you can afford and increase it annually as your income grows. You can also extend the investment period or adjust the goal amount. The key is to start early and invest consistently, even if the amount is smaller initially.

Can I change my SIP amount during the investment period?

Yes, most mutual funds allow you to increase, decrease, or pause SIPs. You can set up step-up SIPs that automatically increase your investment annually. This helps counter inflation and leverage salary increments for faster goal achievement.

What returns should I expect from equity mutual funds?

Historically, equity mutual funds have delivered 12-15% annual returns over 10+ year periods. However, returns can be volatile in short term. For planning purposes, using 10-12% expected returns for long-term goals is reasonable and conservative.

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