How Much SIP for Retirement?
Plan your golden years. Find out the monthly SIP required to build your dream retirement corpus, adjusted for inflation.
₹2,87,175
Adjusted for compounding inflation over your working years.
₹6,89,21,895
₹19,531
Assuming disciplined investing until your target retirement age.
Planning Your Retirement with SIP
Retirement planning is one of the most critical financial goals. Starting early gives you the massive advantage of compounding. Even a small delay of 5 years can double the SIP amount required to reach the same goal.
The Impact of Inflation
Many people underestimate the impact of inflation over 20-30 years. Our calculator automatically adjusts your current expenses to future value so you don't fall short during your golden years.
Where to Invest?
For a long-term goal like retirement (10+ years away), equity mutual funds have historically proven to be one of the best asset classes to beat inflation and generate wealth. A diversified portfolio of index funds or flexi-cap funds is often recommended by financial advisors.
Frequently Asked Questions
How much corpus do I need for retirement?
A general rule of thumb is 25x to 30x of your annual expenses at the time of retirement. This ensures your money lasts through your retirement years, assuming a safe withdrawal rate of 3-4%.
Why should I account for inflation?
Inflation reduces the purchasing power of money over time. If your monthly expenses are ₹50,000 today, at 6% inflation, you will need about ₹2.87 Lakhs per month after 30 years just to maintain the same lifestyle.
How does the Retirement SIP Calculator help?
It calculates your future expenses based on inflation, estimates the total corpus you'll need to sustain that lifestyle, and then works backward to tell you exactly how much you need to invest every month via SIP.