Calculate the retirement nest egg required to fund living expenses and the monthly SIP needed today.
Result
Projections are mathematical estimates. Past returns and historical inflation do not guarantee future performance.
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Inflation-adjusted expense compounding & post-retirement annuity depletion
Age 30, retire at 60, life to 85, ₹50,000 current expenses, 6% inflation, 12% returns.
Retirement Corpus: ~₹4.88 Crore | Monthly SIP Needed: ~₹13,800 | First month retired expense: ₹2,87,175.
Calculate future corpus when your monthly mutual fund SIP increases by a set percent yearly.
Open calculatorCalculate the erosion of purchasing power and future equivalent cost over time due to inflation.
Open calculatorCalculate regular periodic cash withdrawals and remaining corpus in mutual fund SWPs.
Open calculatorCalculate accumulated NPS retirement wealth, lump-sum payout, and monthly pension.
Open calculatorInflation erodes purchasing power exponentially. At a 6% annual inflation rate, a basket of goods costing ₹50,000 today will cost approximately ₹2,87,000 per month in 30 years.
The 4% rule suggests that withdrawing 4% of your initial retirement portfolio (adjusted for inflation each subsequent year) allows the portfolio to survive at least 30 years.
Retirement planning requires balancing accumulation (deploying aggressive growth assets pre-retirement) with preservation (reallocating into fixed-income instruments to provide steady drawdown cash flows).