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Work out the inflation-adjusted lump sum you need on the day you stop working, what you are currently on track for, and the monthly SIP that closes the gap. Every number updates as you move a slider.
Drag a slider or type a value.
Raise the monthly amount with your salary — usually the difference between “impossible” and “doable”.
To fund ₹3.4 L a month — what ₹60,000 of today's spending will cost in 30 years — for 25 years of retirement.
That is ₹8,935 on top of the ₹10,000 you already invest. Turning on the annual step-up would lower the starting amount.
Start this SIPBuilding up while you work, drawn down while you don't.
On your current savings and SIP alone, the corpus runs dry at age 76 — 9 years short of the plan. The accent path is what the required SIP fixes.
The same lifestyle, repriced each year at 6% inflation.
Each card shows how the monthly SIP you need would change — red means harder, green means easier. A smaller corpus is not always the easier plan. Tap a card to apply it and watch the calculator above.
Retirement planning is two problems stitched together. First, work out what your current lifestyle will cost on the day you retire — today's monthly expense grown at inflation for every year in between. Second, work out the lump sum that can pay that rising bill for the whole of retirement.
The second step hinges on the real return — how much your corpus earns above inflation once you have stopped adding to it. A retiree earning 8% while inflation runs at 6% is really earning about 1.9%, which is why the required corpus is so much larger than most people expect.
A useful shorthand is 25–30 times your annual expenses at the time you retire — not today. Because inflation compounds, ₹60,000 a month today becomes roughly ₹3.4 lakh a month in 30 years at 6%, which is why headline corpus figures look so large. Use the calculator above with your own spending rather than a rule of thumb.
First, today's monthly expense is inflated to your retirement date. That inflated expense is then valued as an inflation-linked annuity across your retirement years, discounted at the real return — your post-retirement return adjusted for inflation. The answer is the lump sum needed on day one of retirement.
The 4% rule assumes you withdraw 4% of the corpus in year one and raise it with inflation thereafter. It was calibrated on US market and inflation history. With higher Indian inflation, many planners prefer a 3–3.5% starting withdrawal rate, which means a larger corpus for the same lifestyle.
Yes — put their current balance into 'retirement savings so far' and any ongoing contribution into the monthly SIP field, since both compound the same way. Just remember NPS requires part of the maturity value to be annuitised, so treat that slice as income rather than a withdrawable corpus.
The required monthly amount rises steeply because compounding has less time to work. The practical levers, in order of effect: work a few more years, step up the SIP annually with your salary, raise the savings rate now rather than later, and plan for a slightly leaner retirement budget. Turning on the annual step-up usually makes the number look achievable.
Six percent is a reasonable general assumption for India. Household inflation is often higher for healthcare and education, so if a large part of your retirement budget is medical, consider modelling seven to eight percent for that portion.
