SIP Calculator
See how a fixed monthly SIP could grow over time, and how much of the final amount comes from returns.
Retirement Calculator
Estimate the retirement corpus you may need for your lifestyle, and the monthly SIP to build it.
Your details
Allowed range: 18 to 70 yrs
Allowed range: 35 to 75 yrs
Allowed range: 60 to 100 yrs
₹40,000 = 40 thousandAllowed range: ₹5,000 to ₹10,00,000
Allowed range: 0 to 15%
Allowed range: 1 to 20%
Allowed range: 1 to 15%
EPF, PPF, mutual funds and so on. Optional.Allowed range: ₹0 to ₹10,00,00,000
Results
Monthly SIP needed
₹16,528
To build a corpus of ₹5.83 Cr by age 60.
- Corpus needed
- ₹5,83,41,020
- Expenses at 60
- ₹2,29,740/mo
- Savings may grow to
- ₹0
30 years to save, then 25 years in retirement (to age 85).
- Invested₹59,49,938(10%)
- Est. returns₹5,23,91,082(90%)
Growth year by year
- Invested
- Est. returns
Years along the bottom. Hover or tap a bar to see that year’s numbers.
Year-by-year table
| Age | Invested | Est. returns | Value |
|---|---|---|---|
| 31 | ₹1,98,331 | ₹13,376 | ₹2,11,708 |
| 32 | ₹3,96,663 | ₹53,602 | ₹4,50,265 |
| 33 | ₹5,94,994 | ₹1,24,083 | ₹7,19,077 |
| 34 | ₹7,93,325 | ₹2,28,657 | ₹10,21,982 |
| 35 | ₹9,91,656 | ₹3,71,646 | ₹13,63,302 |
| 36 | ₹11,89,988 | ₹5,57,923 | ₹17,47,910 |
| 37 | ₹13,88,319 | ₹7,92,978 | ₹21,81,297 |
| 38 | ₹15,86,650 | ₹10,82,997 | ₹26,69,647 |
| 39 | ₹17,84,981 | ₹14,34,952 | ₹32,19,933 |
| 40 | ₹19,83,313 | ₹18,56,696 | ₹38,40,008 |
| 41 | ₹21,81,644 | ₹23,57,081 | ₹45,38,725 |
| 42 | ₹23,79,975 | ₹29,46,082 | ₹53,26,057 |
| 43 | ₹25,78,306 | ₹36,34,935 | ₹62,13,241 |
| 44 | ₹27,76,638 | ₹44,36,306 | ₹72,12,943 |
| 45 | ₹29,74,969 | ₹53,64,464 | ₹83,39,433 |
| 46 | ₹31,73,300 | ₹64,35,489 | ₹96,08,789 |
| 47 | ₹33,71,631 | ₹76,67,500 | ₹1,10,39,132 |
| 48 | ₹35,69,963 | ₹90,80,915 | ₹1,26,50,877 |
| 49 | ₹37,68,294 | ₹1,06,98,739 | ₹1,44,67,033 |
| 50 | ₹39,66,625 | ₹1,25,46,897 | ₹1,65,13,522 |
| 51 | ₹41,64,956 | ₹1,46,54,601 | ₹1,88,19,557 |
| 52 | ₹43,63,288 | ₹1,70,54,768 | ₹2,14,18,056 |
| 53 | ₹45,61,619 | ₹1,97,84,490 | ₹2,43,46,109 |
| 54 | ₹47,59,950 | ₹2,28,85,562 | ₹2,76,45,513 |
| 55 | ₹49,58,281 | ₹2,64,05,082 | ₹3,13,63,363 |
| 56 | ₹51,56,613 | ₹3,03,96,117 | ₹3,55,52,730 |
| 57 | ₹53,54,944 | ₹3,49,18,470 | ₹4,02,73,414 |
| 58 | ₹55,53,275 | ₹4,00,39,523 | ₹4,55,92,798 |
| 59 | ₹57,51,607 | ₹4,58,35,207 | ₹5,15,86,814 |
| 60 | ₹59,49,938 | ₹5,23,91,082 | ₹5,83,41,020 |
For illustration only. Assumes a constant rate of return, which real investments don’t deliver. Mutual fund returns are not guaranteed, and tax, fees and exit loads are not included. This is not investment advice.
Want a plan based on these numbers?
We can help you pick suitable schemes and set it up. See Retirement Planning.
How this calculator works
- 1
Your monthly expenses today are raised by inflation to estimate your expenses when you retire.
- 2
The corpus is the amount needed on retirement day to pay those expenses every month until your chosen life expectancy. Expenses keep rising with inflation, and the remaining money keeps earning the post-retirement return.
- 3
Your existing savings are grown to retirement, and the planner works out the monthly SIP needed for the rest.
Frequently asked questions
Why are there two return rates?
Before retirement, you can usually take more risk for growth. After retiring, most people move to steadier, lower-risk options, so the expected return is usually lower.
Does this include pension, EPF or rental income?
Only if you add them yourself. Enter the value of existing savings (EPF, PPF, mutual funds and so on) under current savings, or reduce your monthly expenses by any pension or rent you expect.
Are these results guaranteed?
No. The calculator assumes the same return every year, which never happens in real markets. Mutual fund returns go up and down and are not guaranteed. Use the result as a rough guide, not a promise.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
More calculators
Lumpsum Calculator
Estimate what a one-time investment could grow to over a number of years at an expected rate of return.
Step-up SIP Calculator
See the effect of raising your SIP by a fixed percentage every year, for example as your income grows.
Ready to plan your investments?
Talk to the RWAKKA team. Your first consultation is free and comes with no obligation.