Calculators

Work out how much you may need for retirement or a goal, and the monthly SIP that could get you there. Change any input and the numbers update.

Your inputs

Plan-to age. Money must last until this age
Today's household spend per month
₹2 lakh
Added on top of the spending corpus, in retirement-date rupees. Leave 0 if none
₹10 cr

Rates

Grows today's expenses until retirement
Lifestyle expenses generally grow more slowly after retirement
A moderate return is usually assumed after retirement
Apply tax on returns
Used only when tax is On. LTCG equity 12.5% (above ₹1.25L); debt/slab income can be 30%+

Your SIP

₹2 cr
Yearly % increase in SIP. 0% = flat SIP
Corpus needed at retirement
₹25,18,40,995

₹25.18 cr at age 50, funds 30 years of expenses

Monthly SIP that gets you there
₹9,00,939

Start a SIP of ₹900,939 per month.

How we got there
Annual expenses todaymonthly × 12
₹24,00,000
Annual expenses at retirementannual × (1 + pre-retirement inflation)^years to retire
₹56,81,673
Post-tax return on investmentreturn × (1 − tax); equals the return when tax is Off
7.88%
Real rate of return in retirement(return − inflation) ÷ (1 + inflation); can be zero or negative
0.82%
Years your money must lastlife expectancy − retire age
30 years
Spending corpuspresent value of a growing annuity, start-of-year payments
₹15,18,40,995
Corpus needed at retirementspending corpus + legacy
₹25,18,40,995
Current portfolio at retirementportfolio × (1 + pre-retirement return)^years to retire
₹6,21,16,964
Gap the SIP must filltarget − portfolio at retirement; zero or negative means already covered
₹18,97,24,030
Annuity factor((1+r)^n − 1) ÷ r; with a yearly step-up s: ((1+r)^n − (1+s)^n) ÷ (r − s)
17.5487
Required monthly SIPgap ÷ annuity factor ÷ 12
₹9,00,939

Today's expenses are projected to retirement at the lifestyle-inflation rate. Retirement withdrawals are discounted at the real rate of return (post-tax if toggled), annuity-due. The SIP solves for the contribution whose future value equals the target corpus minus the grown current portfolio. It is computed on an annual-compounding basis and divided by 12; a true monthly-compounding SIP would need slightly less.

Illustrative only, based on the inputs and assumptions above. Not investment advice; returns are not assured and actual outcomes will vary. Mutual fund investments are subject to market risks, read all scheme related documents carefully.