Retirement Corpus Calculator
Calculate an illustrative inflation-adjusted retirement corpus, estimate future monthly living costs, and evaluate the monthly SIP required based on assumed rates.
Inflation: The Purchasing Power Eroder
At 6% annual inflation, your current living expense of ₹ 50,000/mo will inflate to ₹ 2.87 L/mo at age 60. Disciplined mutual fund investing helps address inflation over time.
Pre-Retirement Accumulation Milestones
Projected living expenses and portfolio growth along your path to retirement
3 Pillars of a Bulletproof Retirement
Building a stress-free post-retirement income requires more than just bank fixed deposits:
- Systematic Withdrawal Plan (SWP): Withdraw regular monthly income from hybrid mutual funds with significantly lower capital gains tax than FD interest.
- Longevity & Healthcare Buffer: Maintain dedicated medical contingency reserves so unexpected hospital bills never disrupt your retirement income.
- Equity Exposure in Retirement: Retain 20-30% in diversified equities post-retirement to outpace inflation across 25+ years of longevity.
Retirement Corpus FAQs
What is the 30x Rule in Retirement?
A popular rule of thumb recommends accumulating at least 25-30 times your estimated annual living expenses at the time of retirement to sustain lifelong withdrawals.
How do I shift to SWP when I retire?
Our distribution team assists you in systematically transitioning mutual fund holdings into conservative hybrid or debt funds prior to retirement, setting up an automated monthly SWP credit.