"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Estimate your retirement corpus and the SIP required to build it.
Atul, 35, spends ₹60,000 a month and plans to retire in 25 years. At 6% inflation, that expense becomes about ₹2.58 lakh a month, needing a corpus of roughly ₹7.7 crore. At 12% expected return, the required SIP is about ₹40,700 a month — waiting 5 years to start raises it to around ₹1.03 lakh.
Uses monthly compounding based on the expected annual return and investment period. Contributions are assumed to be made at the beginning of each month.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
Retirement is the longest and most expensive goal. You may spend 25–30 years in retirement with no active income, facing medical inflation of 10–12%. The 4% withdrawal rule suggests you need 25× annual expenses as corpus. For ₹1 lakh/month today, that is ~₹7.5 crore in 20 years at 6% inflation. Starting at 30 vs 40 changes the required SIP from ~₹12,000 to ~₹45,000/month. This calculator shows the true cost of waiting.
Underestimating lifespan — plan for 90–95, not 75. Ignoring medical inflation (10–12%) — health costs can become the largest expense. Assuming expenses drop 70–80% in retirement — travel, healthcare, grandchildren often increase them. Counting only EPF/PPF — these alone rarely suffice for urban lifestyles. Not accounting for tax on withdrawals (NPS annuity, debt funds).
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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