Retirement Calculator

You set a target corpus you want to reach and the time you have. It works backwards to tell you the monthly SIP needed to get there at your expected return — using the standard SIP future-value formula solved for the monthly amount.

A common rule of thumb is 25–30 times your expected annual expenses at retirement, so that a 3–4% withdrawal can cover your costs. Adjust for inflation and your own situation.

For a long horizon, equity-heavy portfolios in India have historically returned around 10–12% a year. Use a conservative figure if you are close to retirement, since you have less time to recover from dips.

Not directly — it works in today's rupees. A simple way to handle inflation is to set your target corpus higher, or assume a slightly lower "real" return. Returns are never guaranteed.