Inputs Sliders + Calculate

This calculator: (1) estimates the required retirement corpus to sustain your inflation-adjusted expenses till the chosen age, using the 3-bucket method; then (2) computes how much to invest via SIP, Step-Up SIP (5%/10%), and Lumpsum to reach that corpus.

Expenses & Inflation

Current Monthly Expenses (₹ today)
Annual Inflation before Retirement (% p.a.)
Annual Inflation after Retirement (% p.a.)

Timeline

Current Age (years)
Invest Till Age (stop contributions at this age)
Retirement Age (expenses start from this age)
Plan Expenses Till Age (retirement horizon)

Return Assumptions

Expected Return (Accumulation phase) (% p.a., effective)

3-Bucket Strategy (Retirement Withdrawals)

Bucket 3 years auto = (Plan till age − Retirement age) − Bucket 1 − Bucket 2.

Bucket 1 (near-term)
Safer
Years
Return (% p.a.)
Bucket 2 (mid-term)
Balanced
Years
Return (% p.a.)
Bucket 3 (long-term)
Growth
Years (auto)
Return (% p.a.)
Disclaimer: Illustrative estimates only. Returns & inflation are assumed and not guaranteed. Taxes, costs, and real market volatility are not modeled. Consult a Certified Financial Planner before investing.

Results

Monthly Expense at Retirement

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Required Retirement Corpus

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Corpus Remaining at End

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Runway

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How much should I invest?

Calculated to reach the required corpus by retirement age. SIP contributions stop at Invest Till Age.

Monthly SIP (No Step-up)

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Step-Up SIP (5% p.a.)

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Step-Up SIP (10% p.a.)

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Lumpsum Investment Today

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Amount per Bucket (at Retirement)

Initial ladder setup at retirement for near-term expenses (Bucket 3 stays invested for growth).

Bucket Years Return Amount (₹) Share
Calculate to view allocation.

Projection Chart

Total corpus at each year-end during retirement withdrawals.

Yearly Cashflow (Retirement)

Monthly expense is inflation-adjusted at the start of that year.

Year Age Monthly Expense (₹) Yearly Expense (₹) Closing Corpus (₹)
Calculate to view schedule.
Disclaimer: This report has been prepared on the basis of data available to us and we have taken all precautions so that there are no errors and lapses. However, we do not assume any liability for actions taken on the basis of this report. The user is advised to verify the contents of the report independently. Returns above 1 year are annualised. Past performance may or may not be sustained in future. Please consult a SEBI-registered investment advisor before making financial decisions.