Find out how much you need to retire — early or on schedule — and the monthly SIP required to get there.
Usually lower — a safer mix post-retirement.
To sustain ₹1.92 L/month in expenses (inflation-adjusted) from 50 to 85.
Your current savings, growing at 12%, are projected to reach ₹96.46 L by then — the SIP covers the remaining ₹5.89 Cr.
A directional projection, not a guarantee — actual inflation and investment returns will vary. Doesn't account for taxes on withdrawals or major one-off expenses.
It depends on your monthly expenses, how many years you'll be retired, expected inflation, and the return your corpus earns after retirement. This calculator uses a 'real rate of return' method — discounting your inflation-growing future expenses at the gap between your post-retirement investment return and inflation — rather than a flat multiple of expenses.
The '25x annual expenses' rule (a 4% safe withdrawal rate) is a US-derived rule of thumb that assumes a specific, fixed relationship between returns and inflation over a ~30-year retirement. This calculator instead lets you set your own inflation and post-retirement return assumptions, since actual Indian inflation and return environments differ from the US data the 25x rule was built on.
India's long-run retail inflation has generally run in the 4-7% range, though your personal inflation rate (driven by healthcare, education, lifestyle costs) can run higher than the headline CPI figure. Many FIRE planners use 6-7% as a conservative planning assumption.
Usually yes. Before retirement, many people hold a growth-oriented, equity-heavy portfolio aiming for higher returns. After retirement, portfolios often shift toward more conservative, income-generating assets to reduce volatility — which is why this calculator lets you set a separate, typically lower, post-retirement return.