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Retirement Planner
The corpus you need at retirement and the SIP to build it.

Your Retirement

Two phases — build a corpus while working, then draw it down in retirement. All figures are your own assumptions.

Current AgeYour age today
1860
Retirement AgeWhen you'll stop working
4070
Life ExpectancyPlan your corpus to last until here
60100
Current Monthly ExpenseWhat you spend per month today
₹5,000₹10,00,000
Inflation (your assumption)How fast costs rise — your own assumption, not a prediction
0%12%
Pre-Retirement Return (your assumption)Assumed return while saving — your own assumption, not a DhanRadar prediction
1%30%
Post-Retirement Return (your assumption)Assumed return after retiring — your own assumption, not a DhanRadar prediction
1%20%
Existing CorpusWhat you've already saved for retirement
₹0₹1,00,00,00,000
Corpus Needed at Retirement
₹7,25,03,339
By age 60
Monthly SIP to Get There
₹20,540/mo
For 30 yrs
Monthly Expense Then
₹2,87,175
₹50,000 today at 6% inflation (your assumption)
Corpus Lasts
~25 yrs
To age 85
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Two-Phase Breakdown

Years to retirement30 yrs
Monthly expense at retirement₹2,87,175
Corpus needed₹7,25,03,339
Shortfall to fund₹7,25,03,339

Phase 1 (accumulation): invest a monthly SIP for 30 years at your assumed 12% return to build the corpus. Phase 2 (drawdown): the corpus earns 7% while paying your inflation-adjusted expenses — on these assumptions it lasts ~25 yrs.

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AI Insights

DhanRadar AI

Retiring 2 years later (age 62) extends your accumulation phase and shortens your drawdown — both reduce the monthly SIP needed on your figures.

Your post-retirement return assumption (7%) versus inflation (6%) gives a real return of about 1.0%. A wider gap means the corpus depletes more slowly; a narrower gap puts more pressure on the corpus size.

For education only — not investment or retirement advice. Returns and inflation are your own assumptions; real markets vary. Consult a qualified professional.

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Related Calculators

FIRE Calculator
Your financial-independence number and years to reach it.
Corpus Calculator
The corpus needed to fund a monthly income in retirement.
SWP Calculator
How long your corpus lasts with regular withdrawals.

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.