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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

Build corpus for financial independence and retirement

₹
₹1L₹2Cr
₹
₹0₹15.00 L
years
1 year50 years
%
5%20%
%
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
₹1,02,000
₹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 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.

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