Retirement Planner

Retirement Corpus Planner

How much do you need to retire?

Current age

Monthly income

₹

Monthly expenses

₹

Assumptions

Inflation

% p.a.

Post-retirement return

% p.a.

SWP rate max

Life expectancy

yrs

Retirement scenarios

15 yrs to retire

35 yrs post-retirement

Expenses todayRs.60,000/mo

Inflation-adj. expenses at 50Rs.1,43,793/mo

Est. income at 50Rs.2,39,656/mo

SWP withdrawal rate7.0% p.a.

Monthly SWP incomeRs.1,43,793

Total corpus required

Rs.2.47 Cr

Sustains Rs.1,43,793/mo income for 35 yrs at 10% portfolio return

20 yrs to retire

30 yrs post-retirement

Expenses todayRs.60,000/mo

Inflation-adj. expenses at 55Rs.1,92,428/mo

Est. income at 55Rs.3,20,714/mo

SWP withdrawal rate7.0% p.a.

Monthly SWP incomeRs.1,92,428

Total corpus required

Rs.3.30 Cr

Sustains Rs.1,92,428/mo income for 30 yrs at 10% portfolio return

25 yrs to retire

25 yrs post-retirement

Expenses todayRs.60,000/mo

Inflation-adj. expenses at 60Rs.2,57,512/mo

Est. income at 60Rs.4,29,187/mo

SWP withdrawal rate7.0% p.a.

Monthly SWP incomeRs.2,57,512

Total corpus required

Rs.4.41 Cr

Sustains Rs.2,57,512/mo income for 25 yrs at 10% portfolio return

Monthly SIP required to build the corpus

Assuming 12% p.a. SIP return. How much must you invest monthly from today?

Assumed SIP return

% p.a.

Retire at 50

Rs.48,854/mo

15 yrs SIP at 12% builds

2.47 Cr corpus

49% of current income

Retire at 55

Rs.33,016/mo

20 yrs SIP at 12% builds

3.30 Cr corpus

33% of current income

Retire at 60

Rs.23,263/mo

25 yrs SIP at 12% builds

4.41 Cr corpus

23% of current income

Retire at 50 — 2.47 Cr

Retire at 55 — 3.30 Cr

Retire at 60 — 4.41 Cr

Retirement planning insight for you

Based on your current monthly expenses of Rs.60,000, retiring at 60 requires a corpus of Rs.2.47 Cr. Retiring at 50 needs Rs.4.41 Cr — that is Rs.1.95 Cr more because you have fewer earning years and a longer retirement period to fund.

At age 35, you have 25 years until 60. Starting a monthly SIP of Rs.12,990 today at 12% p.a. can build your retirement corpus by age 60. Every year of delay increases this SIP requirement significantly — time is your most powerful investment tool.

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