SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
Retirement Calculator
Work out inflated retirement expenses, the corpus required to fund them, what your existing savings may become, and the gap that remains — with every assumption editable.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
1870
4075
60100
₹5,000₹10,00,000
015
125
Returns are not guaranteed.
120
₹010 Lakh₹20,00,00,000
₹0₹10,00,000
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Additional monthly investment required
₹13,677
On top of the ₹15,000 you already invest each month, for the next 28 years.
Your retirement snapshot
- Years until retirement
- 28 years
- Years to fund in retirement
- 25 years
- Monthly expenses at retirement
- ₹3,83,377
- Corpus required
- ₹10,29,92,807
Projected from existing savings
₹2,38,83,866
Projected from your current SIP
₹4,13,78,771
Total projected corpus
₹6,52,62,637
63% of what is required
Estimated investment gap
₹3,77,30,169
Shortfall against the corpus required
Projected funding of the corpus
63%Building the corpus, year by year
Assuming the full monthly investment shown above is maintained until retirement.
Projection to retirement
| Age | Year of plan | Total invested | Projected corpus |
|---|---|---|---|
| 33 | 1 | ₹13,44,128 | ₹14,87,338 |
| 34 | 2 | ₹16,88,257 | ₹20,35,663 |
| 35 | 3 | ₹20,32,385 | ₹26,52,613 |
| 36 | 4 | ₹23,76,514 | ₹33,46,779 |
| 37 | 5 | ₹27,20,642 | ₹41,27,834 |
| 38 | 6 | ₹30,64,770 | ₹50,06,656 |
| 39 | 7 | ₹34,08,899 | ₹59,95,491 |
| 40 | 8 | ₹37,53,027 | ₹71,08,119 |
| 41 | 9 | ₹40,97,155 | ₹83,60,046 |
| 42 | 10 | ₹44,41,284 | ₹97,68,720 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Inflation before and during retirement
- 6%
- Applied both to grow today's expenses to retirement, and to keep withdrawals rising through retirement.
- Return before retirement
- 12%
- Return after retirement
- 7%
- Real return after inflation: 0.9%. This is what actually determines how long the corpus lasts.
- Not included
- Pension, EPF/NPS maturity, rent, property sale
- Add any of these to your existing savings if they are genuinely earmarked for retirement. Healthcare costs, which typically rise faster than general inflation, are also not modelled separately.
Printed on your PDF summary. It is not saved or sent anywhere.
Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
Investments are subject to market risks. Returns are not guaranteed. Any discussion is educational in nature and is not a recommendation to buy or sell a financial product.