Project corpus needed for financial freedom.
Corpus required at retirement
₹7.67 Cr
Monthly SIP needed: ₹21.73K
Future Monthly Expense
₹2.87 L
Required SIP
₹21.73K
The corpus needed at retirement is the present value of an inflation-adjusted annuity that funds your expected lifestyle for the remainder of life. The model uses the real rate of return post-retirement to neutralise inflation drag on withdrawals.
Future monthly expense: E × (1+i)ᵗ. Corpus: PV annuity at real rate (1+r)/(1+i) − 1. Required SIP back-solved from FV-of-annuity-due formula.
Multiply your current monthly expense by 12 × 25 (the 25× rule) to get a rough corpus. For ₹50,000/month expense today, you need ~₹1.5 crore in today's rupees — about ₹6 crore in 30 years at 5% inflation. Use the calculator to model your exact number.
The day you receive your first salary. Starting at 25 vs 35 with the same monthly SIP results in 3-4× more corpus at 60 because the first 10 years are pure compounding fuel. The cost of waiting compounds invisibly.
4-5% inflation-adjusted withdrawal is broadly safe for a 60/40 equity-debt portfolio. With healthcare inflation running at 10-12%, retirees should also keep a separate medical buffer and not include it in the SWP corpus.
NPS alone is rarely enough — its 40% mandatory annuity drag and equity cap of 75% reduce upside. Use NPS for tax-savings (Section 80CCD(1B) ₹50,000 deduction) and supplement with equity mutual funds for the bulk of your retirement corpus.