The Retirement Number
Retirement is not an age — it is a monthly number. Illustrative corpus and SIP under three portfolio types, with optional Jeevan Saathi planning for two lives.
Your inputs
Plan generously. Longevity is a gift that needs funding.
How fast today's expenses may grow until you retire.
Illustrative rise in spending needs each year you are retired.
EPF, PPF, NPS, mutual funds — rough total is fine for an illustration.
Default 8% — illustrative hybrid / balanced allocation (e.g. MAAF, BAF, ESF). Not guaranteed.
Illustrative results
Retirement to end of plan — year by year
Uses the illustrative corpus target above as the opening balance on your retirement date. Each year: portfolio earns the post-retirement return, then pays the year's expenses (rising with post-retirement inflation). The closing balance carries forward — so you see how the corpus is expected to draw down in this maths-only story. The final row should land near zero if the PV lines up (tiny differences are rounding).
| Yr | Calendar yr | Your age | Annual expense | Corpus start | After return | Withdrawal | Corpus end |
|---|
This calculator uses monthly SIPs with year-end compounding (returns applied once per year on the balance including 12 months of contributions). Pre-retirement accumulation shows 8%, 10%, and 12% illustrative equity-risk bands; growth of your existing corpus to retirement uses 12% unless you change the plan elsewhere with your advisor. Post-retirement spending is modeled with separate inflation before and after retirement. Actual taxes, markets, and product returns will differ. Fund categories named are examples only. This is not investment advice. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.