Most retirement calculators tell you a comfortable number. This one tells you the inconvenient one. ₹2 crore feels like a lot today — let's see what it actually buys in 25 years.
Each month, you withdraw that month's expense at the start, then the remaining corpus grows for the month at your post-retirement return (compounded monthly). The table summarises each year (12 monthly cycles). Last row should reach ~₹0.
| Age | Monthly expense | Corpus at start | Withdrawn (12 mo) | Growth | Corpus at end |
|---|
If your current SIP is less than the number above, you're not "behind" — you're under-funding. The two are different. Behind implies you can catch up. Under-funded implies the maths needs to change: save more, work longer, or accept a smaller retirement. There is no fourth option.
The most expensive sentence in personal finance is "I'll start next year." The cost of 12 missed months at age 30 is roughly 4 months of expenses at age 65. Try it — push your age slider forward by one and watch the SIP number jump.
Shows you the corpus AND the corpus you'd have had if you started 5 years earlier.
Allocate your retirement corpus across cash, debt and equity. Ride out crashes without selling.
Now that you have the corpus — how much can you pull each month without going dry?
