Retirement planner
Two numbers matter: what your monthly investments grow into by the day you stop working, and what your expenses will cost once inflation has had its way. This planner puts both on one chart and tells you the monthly amount that closes the gap.
Your plan
SIPs, EPF, NPS, anything that compounds
What retirement should keep paying for
Corpus at 60
₹11,94,03,841
That covers ₹2,87,175 a month of inflation adjusted expenses until 85, with ₹4,29,76,376 to spare.
- Corpus needed
- ₹7,64,27,465
- Surplus
- ₹4,29,76,376
- Monthly SIP needed
- ₹11,769
- Income your corpus supports
- ₹4,48,657/mo
Corpus against the target
- Your corpus₹11,94,03,841
- Corpus needed₹7,64,27,465
At 60 age (end of the projection)
The target line is the corpus you need, discounted back to each age at the inflation rate, so the curves are comparable year by year.
Questions
Long run Indian equity has returned around 12% a year before tax; a balanced portfolio closer to 9-10%. Use a conservative number and let a higher outcome be a bonus.
Your monthly expense today is inflated to retirement age, then the planner finds the corpus that pays that expense every year until life expectancy while earning a post retirement return, so the money runs out exactly at the end.