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Retirement · Calculator
Most retirement calculators are simple "you'll have ₹X" calculators. This one shows you what you NEED, what you're projected to have, and the gap — plus the exact additional monthly SIP that closes it.
⚠ Gap detected
Increase your monthly SIP by ₹2,256/month to close the gap by age 60.
Total monthly SIP needed: ₹17,256
Required corpus at age 60
₹7.59 Cr
To cover ₹2.9 L/month for 25 years (inflation-adjusted)
Projected corpus at age 60
₹6.79 Cr
From ₹1.50 Cr (existing) + ₹5.29 Cr (SIP @ 12%)
We assume your existing savings and monthly SIPs grow at your chosen equity-return CAGR until retirement. Required corpus is computed using a "real return" approach: in retirement, your corpus earns ~7% pre-tax (debt-fund average) but inflation eats 6%/year, so the real return is 1%. We then compute the present value (at retirement date) of 25 years of inflation-adjusted expenses.
This is more conservative than the 4% Trinity rule (which assumes US-style 2-3% inflation). For India's 5-6% inflation context, this calculator's approach is closer to reality.