Most calculators hand you a comfortable number. We'd rather show you the real one, so you can plan around it with time to spare. ₹2 crore feels like a lot today, so let's see together what it actually buys in 25 years.
Each month, you withdraw that month's expense at the start, then the remaining corpus grows for the month at your post-retirement return (compounded monthly). The table summarises each year (12 monthly cycles). The last row should land near ₹0, which is the plan working exactly as designed.
| Age | Monthly expense | Corpus at start | Withdrawn (12 mo) | Growth | Corpus at end |
|---|
If your current SIP is below the number above, you're not "behind", and this isn't a scolding. It just means the maths is asking for one honest adjustment: save a little more, work a little longer, or gently right-size the retirement you're picturing. Pick the lever that fits your life. Any one of them moves you forward.
The kindest thing you can do for your future self is to start before you feel fully ready. Twelve months of waiting at 30 costs roughly four months of expenses at 65, which is exactly why starting small today beats starting big someday. Try it: nudge your age slider forward by one and watch the SIP number move.
Your corpus, plus a gentle look at what starting five years sooner would add.
Allocate your retirement corpus across cash, debt and equity. Ride out crashes without selling.
Now that you have the corpus, how much can you pull each month without going dry?
