Retirement8 min read
Retirement planning is really three numbers: the annual expense you'll need, the corpus that sustains it, and the monthly investment to build that corpus.
Step 1 — your future expenses
Take today's annual expenses and inflate them to your retirement age (6–7% inflation is a reasonable Indian assumption).
Step 2 — the corpus
A common guide is 25–30× your annual expense at retirement, assuming a safe withdrawal rate and that the corpus keeps growing.
Step 3 — the monthly SIP
Work backwards: given your corpus target, years to retirement, and expected return, the SIP calculator tells you the monthly amount. Add a step-up to match salary growth.
Start early — a 25-year-old needs a fraction of the monthly SIP a 40-year-old needs for the same corpus.
Sources
Reviewed against primary sources. Rates and rules change — confirm current figures with the official source before acting.
Ready to run your own numbers?
Open the calculators