Find your retirement number

It runs in two steps. First it inflates your current monthly expenses to what they'll be at retirement, then estimates the corpus needed to fund those inflation-linked expenses through your life expectancy. Second, it calculates the monthly SIP required today — given your expected pre-retirement return — to build that corpus by the time you retire.

It assumes steady inflation, constant returns before and after retirement, monthly SIP investing until you retire, and withdrawals that rise with inflation through your chosen life expectancy. Real life is bumpier, so treat the corpus and SIP figures as a planning guide rather than a precise forecast.

Two forces work against you: inflation quietly raises your cost of living every year, and a longer life expectancy means the corpus must last decades after your salary stops. Together they mean the number is usually larger than people assume — which is exactly why starting early matters.

Typically a more conservative figure than before retirement, because a retired portfolio usually shifts toward lower-risk, income-oriented investments to protect capital. The calculator lets you set separate pre- and post-retirement returns so you can be realistic about both phases.

It's rarely too late, though the earlier you start the lighter the monthly load. If retirement is close, options include investing more aggressively toward the goal, extending your working years slightly, or adjusting your expected lifestyle. Our Faridabad-based planners can help you build a realistic path from where you are today.