Plan your golden years with confidence. Use our SIP calculator for retirement to work out how much you need to invest monthly to build your ideal retirement corpus and maintain your lifestyle after you retire.
Enter your details to create a personalized retirement plan
Conservative returns after retirement
Your investment strategy should evolve as you approach retirement
Aggressive growth with equity-heavy portfolio
Balanced approach with moderate risk
Conservative approach reducing risk
Capital preservation with steady income
The earlier you start, the less you need to save monthly due to compounding power
Increase your retirement savings with salary hikes and bonuses
Maintain separate emergency fund to avoid touching retirement savings
Review and adjust retirement goals based on inflation and lifestyle changes
Remember: This calculator provides estimates. Actual retirement needs may vary based on lifestyle changes, healthcare costs, and economic conditions. Consider consulting a financial advisor for personalized retirement planning.
Retirement planning with a SIP calculator involves three steps: projecting your future expenses adjusted for inflation, estimating the corpus you need to sustain those expenses, and calculating the monthly SIP required to build that corpus before you retire.
Future Expenses = Current Expenses × (1 + inflation)years to retirementAt 6% inflation, monthly expenses of ₹50,000 today become roughly ₹2.87 lakh in 30 years — which is why planning only for today's costs badly underestimates what you'll need.
Retirement Corpus = Annual Expenses at Retirement × 25This calculator uses the widely-cited 25x rule (the inverse of the 4% safe-withdrawal rate): a corpus of 25× your first year of retirement expenses can typically fund a 25–30 year retirement when the money stays invested and grows at 7–8% post-retirement.
SIP = FV × r / [ ((1 + r)n − 1) × (1 + r) ]Where FV is your target corpus, r is the monthly return (annual return ÷ 12) and n is the number of months until retirement. The earlier you start, the larger n is — and the smaller your required monthly SIP.
Age now: 30 · Retirement age: 60 · Years to invest: 30
Current monthly expenses: ₹50,000 · Inflation: 6% · Pre-retirement return: 12%
→ Monthly expenses at 60 ≈ ₹2.87 lakh (₹34.5 lakh/year)
→ Corpus needed ≈ ₹34.5 lakh × 25 ≈ ₹8.6 crore
→ Monthly SIP needed at 12% for 30 years ≈ ₹24,500
A common benchmark is 25–30 times your annual expenses at the time you retire. If you'll need ₹12 lakh a year, that's a corpus of roughly ₹3–3.6 crore. Because inflation pushes future expenses much higher than today's, always calculate on inflation-adjusted numbers — which this SIP calculator for retirement does automatically.
Assuming 12% annual returns, reaching ₹1 crore needs about ₹1,000/month over 30 years, ₹2,200/month over 25 years, or ₹5,000/month over 20 years. The longer your horizon, the less you invest each month — which is why starting early matters more than investing large amounts.
The 4% rule suggests you can withdraw about 4% of your corpus in the first year of retirement and adjust for inflation thereafter, with a low risk of running out over ~30 years. Its inverse, the 25x rule, means you need 25 times your annual expenses saved before retiring.
As early as your first salary. Starting at 25 instead of 35 can roughly halve the monthly SIP required for the same corpus, because compounding has ten extra years to work. If you're starting late, a step-up SIP that rises with your income can help you catch up.
For long horizons (10+ years), diversified equity funds (large-cap, flexi-cap, index funds) are commonly used for growth. As retirement nears, investors typically shift a portion into debt and hybrid funds to protect the corpus from market volatility.
Absolutely — it's the single biggest factor people underestimate. At 6% inflation, costs roughly double every 12 years. Medical costs often inflate even faster (10–12%), so it's wise to keep a separate buffer for healthcare on top of your calculated corpus.