Retirement Planning
Retirement Planner
Build a robust retirement plan: corpus needed, pre/post-retirement inflation & returns, and additional SIP required to close any gap.
Inputs
Your Profile
Set ages, expense, returns and inflation. Everything updates instantly.
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On Track
Your current plan projects ₹19.42 Cr at retirement — exceeding the required ₹8.64 Cr. Surplus: ₹10.78 Cr.
Years to Retire
28
Retirement at age 60
Expense @ Retirement (monthly)
₹4.09 L
₹4,08,935/mo
Corpus Needed
₹8.64 Cr
₹8,63,52,602
Projected Corpus
₹19.42 Cr
₹19,41,50,071
Year-by-year timeline
| Age | Phase | Contribution | Withdrawal | Corpus |
|---|---|---|---|---|
| 33 | Accumulation | ₹3,00,000 | — | ₹14,47,058 |
| 34 | Accumulation | ₹3,30,000 | — | ₹19,82,838 |
| 35 | Accumulation | ₹3,63,000 | — | ₹26,21,794 |
| 36 | Accumulation | ₹3,99,300 | — | ₹33,80,533 |
| 37 | Accumulation | ₹4,39,230 | — | ₹42,78,123 |
| 38 | Accumulation | ₹4,83,153 | — | ₹53,36,435 |
| 39 | Accumulation | ₹5,31,468 | — | ₹65,80,541 |
| 40 | Accumulation | ₹5,84,615 | — | ₹80,39,162 |
| 41 | Accumulation | ₹6,43,077 | — | ₹97,45,177 |
| 42 | Accumulation | ₹7,07,384 | — | ₹1,17,36,203 |
| 43 | Accumulation | ₹7,78,123 | — | ₹1,40,55,249 |
| 44 | Accumulation | ₹8,55,935 | — | ₹1,67,51,469 |
| 45 | Accumulation | ₹9,41,529 | — | ₹1,98,81,004 |
| 46 | Accumulation | ₹10,35,681 | — | ₹2,35,07,945 |
| 47 | Accumulation | ₹11,39,250 | — | ₹2,77,05,426 |
| 48 | Accumulation | ₹12,53,174 | — | ₹3,25,56,861 |
| 49 | Accumulation | ₹13,78,492 | — | ₹3,81,57,348 |
| 50 | Accumulation | ₹15,16,341 | — | ₹4,46,15,264 |
| 51 | Accumulation | ₹16,67,975 | — | ₹5,20,54,067 |
| 52 | Accumulation | ₹18,34,773 | — | ₹6,06,14,342 |
| 53 | Accumulation | ₹20,18,250 | — | ₹7,04,56,127 |
| 54 | Accumulation | ₹22,20,075 | — | ₹8,17,61,533 |
| 55 | Accumulation | ₹24,42,082 | — | ₹9,47,37,728 |
| 56 | Accumulation | ₹26,86,291 | — | ₹10,96,20,309 |
| 57 | Accumulation | ₹29,54,920 | — | ₹12,66,77,119 |
| 58 | Accumulation | ₹32,50,412 | — | ₹14,62,12,581 |
| 59 | Accumulation | ₹35,75,453 | — | ₹16,85,72,592 |
| 60 | Accumulation | ₹39,32,998 | — | ₹19,41,50,071 |
| 61 | Withdrawal | — | ₹49,07,219 | ₹20,51,73,221 |
| 62 | Withdrawal | — | ₹51,52,580 | ₹21,68,56,727 |
| 63 | Withdrawal | — | ₹54,10,209 | ₹22,92,42,670 |
| 64 | Withdrawal | — | ₹56,80,720 | ₹24,23,75,987 |
| 65 | Withdrawal | — | ₹59,64,756 | ₹25,63,04,677 |
| 66 | Withdrawal | — | ₹62,62,993 | ₹27,10,80,022 |
| 67 | Withdrawal | — | ₹65,76,143 | ₹28,67,56,822 |
| 68 | Withdrawal | — | ₹69,04,950 | ₹30,33,93,654 |
| 69 | Withdrawal | — | ₹72,50,198 | ₹32,10,53,142 |
| 70 | Withdrawal | — | ₹76,12,708 | ₹33,98,02,257 |
| 71 | Withdrawal | — | ₹79,93,343 | ₹35,97,12,633 |
| 72 | Withdrawal | — | ₹83,93,010 | ₹38,08,60,908 |
| 73 | Withdrawal | — | ₹88,12,661 | ₹40,33,29,094 |
| 74 | Withdrawal | — | ₹92,53,294 | ₹42,72,04,975 |
| 75 | Withdrawal | — | ₹97,15,958 | ₹45,25,82,530 |
| 76 | Withdrawal | — | ₹1,02,01,756 | ₹47,95,62,397 |
| 77 | Withdrawal | — | ₹1,07,11,844 | ₹50,82,52,367 |
| 78 | Withdrawal | — | ₹1,12,47,436 | ₹53,87,67,917 |
| 79 | Withdrawal | — | ₹1,18,09,808 | ₹57,12,32,786 |
| 80 | Withdrawal | — | ₹1,24,00,299 | ₹60,57,79,592 |
| 81 | Withdrawal | — | ₹1,30,20,314 | ₹64,25,50,504 |
| 82 | Withdrawal | — | ₹1,36,71,329 | ₹68,16,97,959 |
| 83 | Withdrawal | — | ₹1,43,54,896 | ₹72,33,85,438 |
| 84 | Withdrawal | — | ₹1,50,72,640 | ₹76,77,88,301 |
| 85 | Withdrawal | — | ₹1,58,26,272 | ₹81,50,94,691 |