Calculators
How big does the corpus need to be?
The same four steps we walk through in a first review: future spend, corpus, what you have, and the gap.
yrs
yrs
yrs
We plan to 85 at minimum. Longer is safer.
₹
Household spending, excluding EMIs and school fees that end before retirement.
%
₹
EPF, PPF, NPS and mutual funds set aside for retirement.
%
%
%
Mostly debt and hybrid funds, so lower than before.
Monthly SIP needed for 15 years
₹57,219a month
To close a gap of ₹2.63 Cr by age 60.
- Monthly spend at 60
- ₹2.88 lakh
- Corpus needed for 25 years
- ₹7.22 Cr
- Existing savings, grown
- ₹4.59 Cr
- Gap to close
- ₹2.63 Cr
How we calculate
- Today's monthly spend is grown at your inflation rate until retirement.
- The corpus funds that spend, rising with inflation every year, until the age you plan for. We treat it as a growing annuity earning the post-retirement return.
- Existing savings grow at their own return. The monthly SIP is a level amount that closes the remaining gap at the SIP return.
- Taxes, one-off goals and pension income are not included. A review adds them.
- Illustrations only, based on the assumptions you enter. Returns are not guaranteed. Mutual fund investments are subject to market risks; read all scheme related documents carefully.