Plan your retirement with confidence

Calculate the exact monthly investment needed to achieve your retirement goals. Get insights into different scenarios and make informed decisions.

Disclaimer: All the information provided on this website is for educational purposes only. It is not intended to be financial advice. Please consult a financial advisor before making any investment decisions.

Calculate Required SIP

Enter your retirement goals to calculate the required monthly investment

Your Results

Investment Plan Summary

Based on your goals and 30 year investment horizon

Required Monthly SIP

at 12% expected returns

8,584

Conservative Scenario

at 10% returns

13,271

Aggressive Scenario

at 14% returns

5,462

Income Analysis

SIP as Percentage of Income

Track how your SIP commitment aligns with your income growth

Income vs SIP Analysis

Required SIP is 8.6% of your current monthly income

Current Monthly Income

1,00,000

Required Monthly SIP

8,584

SIP % of Income

8.6%

Income Progression

Age 30

Current

Monthly Income

1,00,000

Starting income

Monthly SIP

8,584

8.6% of income

8.6%

SIP to Income Ratio

Age 35

+5 years

Monthly Income

1,61,051

10% annual growth

Monthly SIP

8,584

5.3% of income

5.3%

SIP to Income Ratio

Age 40

+10 years

Monthly Income

2,59,374

10% annual growth

Monthly SIP

8,584

3.3% of income

3.3%

SIP to Income Ratio

Age 45

+15 years

Monthly Income

4,17,725

10% annual growth

Monthly SIP

8,584

2.1% of income

2.1%

SIP to Income Ratio

Age 50

+20 years

Monthly Income

6,72,750

10% annual growth

Monthly SIP

8,584

1.3% of income

1.3%

SIP to Income Ratio

Age 55

+25 years

Monthly Income

10,83,471

10% annual growth

Monthly SIP

8,584

0.8% of income

0.8%

SIP to Income Ratio

Age 60

+30 years

Monthly Income

17,44,940

10% annual growth

Monthly SIP

8,584

0.5% of income

0.5%

SIP to Income Ratio

Detailed Analysis

Investment Scenarios

Compare different investment strategies with lumpsum and step-up SIP

Scenario 1

Initial Lumpsum: 5,00,00010% Annual Step-up

Final Corpus

9,48,37,724

Initial SIP

10,000

Monthly (10.0% of current income)

Final SIP

1,74,494

Monthly (10.0% of final income)

Total Investment

41,00,000

Total Returns

9,07,37,724

Lumpsum Growth

1,49,79,961

2896.0% total growth

SIP Growth

7,98,57,763

2118.3% total growth

Scenario 2

Initial Lumpsum: 5,00,00015% Annual Step-up

Final Corpus

16,92,49,683

Initial SIP

10,000

Monthly (10.0% of current income)

Final SIP

6,62,118

Monthly (37.9% of final income)

Total Investment

41,00,000

Total Returns

16,51,49,683

Lumpsum Growth

1,49,79,961

2896.0% total growth

SIP Growth

15,42,69,722

4185.3% total growth

Scenario 3

Initial Lumpsum: 10,00,00010% Annual Step-up

Final Corpus

10,98,17,685

Initial SIP

10,000

Monthly (10.0% of current income)

Final SIP

1,74,494

Monthly (10.0% of final income)

Total Investment

46,00,000

Total Returns

10,52,17,685

Lumpsum Growth

2,99,59,922

2896.0% total growth

SIP Growth

7,98,57,763

2118.3% total growth

Smart Planning

Everything you need for retirement planning

Make informed decisions about your retirement with our comprehensive planning tools

Goal-based Planning

Set your retirement corpus goal and get a clear path to achieve it

Smart Calculations

Get precise monthly SIP amounts needed to reach your retirement goals

Time-based Analysis

See how different time horizons affect your investment needs

Risk Scenarios

View conservative and aggressive return scenarios for better planning