Retirement Calculator — Corpus & Monthly SIP Planner
Calculate the exact retirement corpus you need to sustain your lifestyle till age 85+ and the monthly SIP required to achieve financial independence.
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Retirement Accumulation vs Depletion Milestones
| Milestone Stage | Age | Monthly Expense Required | Target Portfolio Value |
|---|---|---|---|
| Current Baseline | 30 Years | ₹50,000 / mo | ₹5,00,000 |
| Retirement Day (Corpus Peak) | 60 Years | ₹2,87,175 / mo | ₹6,94,69,039 |
| Post-Retirement Midpoint | 73 Years | ₹5,94,936 / mo | Steady SWP Drawdown |
Example: 30-Year-Old Planning to Retire at Age 60
A 30-year-old spending ₹50,000/month today wants to retire at 60 with life expectancy of 85, assuming 6% inflation, 12% pre-retirement returns, and 8% post-retirement returns.
- Current & Retirement Age:30 Years → 60 Years (30Y to save)
- Current Monthly Expenses:₹50,000 / month
- Existing Savings:₹5,00,000
- Monthly Expense at Age 60:₹2,87,175 / month
- Total Retirement Corpus Required:₹6.35 Crore
- Monthly SIP Required From Today:₹15,200 / month
Key Takeaway: Starting early at age 30 requires only a ₹15,200 monthly SIP to build a ₹6+ Crore retirement corpus due to 30 years of compounding.
How This Calculation Works (Mathematical Formula)
Accounts for pre-retirement inflation, post-retirement living expenses, life expectancy, and investment yields.
Frequently Asked Questions
A common benchmark is 25x to 30x of your anticipated annual retirement expenses, adjusted for inflation.
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Helpful Guides & Explanations
Disclosure: Ankiva One provides free financial calculators and guides. When you apply for products through partner links on our website, we may receive compensation at no extra cost to you. This does not influence our objective calculations.