SIP & Retirement Calculator
Plan your investments and retirement corpus with this comprehensive calculator
Input Parameters
Results
Fill in your details and click "Calculate" to see your retirement projection.
About Free SIP and Retirement Calculator
SIP and Retirement Calculator is a financial tool that helps you understand how much money you can make through regular investments and whether this amount will be enough to maintain your lifestyle after retirement.
This calculator looks at:
- Your current age and retirement age
- How much will be the monthly income and annual salary hike
- Monthly expenses and inflation impact
- SIP investments (how much money, at what frequency, and what are the expected returns)
This calculator projects your investments into the future, adjusts for inflation, and gives you a realistic idea of ​​how much your corpus will be by retirement and whether you should increase your savings.
Basically, it gives you a clear picture of whether you are on the right track or you may have to invest a little more.
Why is a SIP and Retirement Calculator Important?
Helps you set financial goals:Â Lets you know how much you need to invest every month to reach your retirement target. Also, shows how you can benefit by increasing your SIP over time.
Take into account inflation:Â Rs 1 crore today will not be worth the same after 30 years. This calculator adjusts for inflation to show how much your corpus will actually be worth in the future.
Encourages early investment:Â The earlier you start, the more you benefit from compounding returns. Even small increments can make a big difference in the long run.
Doesn’t let retirement fall short:Â Many people don’t estimate how much money they will need after retirement. This tool prevents financial problems in the future.
Shows growth with charts and tables:Â Interactive graphs show how your investments grow over time. Year-by-year projections let you track your progress.
Key Features
Input options with complete information
- Age and retirement age – You will know for how many years to invest.
- Monthly income and annual salary hike (%) – Estimate of future income growth.
- Monthly expenses – Estimate of how much money you will need after retirement.
- Initial SIP amount – How much will you start investing with.
- What % of salary hike to invest in SIP – If income increases, the investment will automatically increase.
- SIP frequency – Monthly/Quarterly/Half yearly/Annual – Choose as per your choice.
- Expected return (%) – Adjust according to more or less risk.
- Inflation rate (%) – To understand the real value of future money.
Detailed and easy to understand results
- Investment time – How many years are left till retirement.
- Total SIP investment – ​​How much money invested in the entire period.
- Final corpus value – How much will you get on maturity.
- Corpus according to inflation – What will be its real value in today’s time.
Interactive Growth ChartÂ
- Graph – See how investments are growing vs. total invested.
- Year-wise details – hover over to see exact values.
Year-on-year projection table
- Age-wise: Salary, SIP, investments and how corpus has grown.
- Significant milestones every 5 years + retirement year shown.
Smart Adjustments & Optimization
- “What if?” – Increase your SIP or returns to see the difference.
- Early retirement check – Can you retire early by saving a little more?
User-friendly and mobile-friendly
- Clean and modern design – easy for even new users.
- Works on every device – desktop, tablet or mobile.
- No login/install – 100% free, no hidden costs.
Informative and easy to understand
- It will explain the effect of inflation – 1 crore today will not be 1 crore after 30 years!
- It will explain the benefits of compounding – see how much profit you get by investing early.
With this calculator, you will be able to do your financial planning easily – without any hassle!
How to Use the SIP and Retirement Calculator?
- Enter your current details
- Current age and retirement age → This will determine how many years you have to invest.
- Monthly income and expected salary hike (%) → This will give an idea of ​​future earnings.
- Define your investment
- Initial SIP amount → How much to invest every month/quarter.
- What % of salary hike to invest in SIP → Increase investment as salary increases.
- SIP frequency → Once a month, once a quarter, once a six months or once a year.
- Set financial assumptions
- Expected return rate (%) → Conservative (8-10%) or aggressive (12-15%).
- Inflation rate (%) → Usually 5-7% in India.
- Click on “Calculate”
- View total investment, final corpus, and inflation-adjusted value.
- Also check the yearly breakdown and growth chart.
- Adjust and optimize
- If the corpus seems low, increase the SIP amount or extend the retirement age.
This way you can easily understand and plan your retirement plan.
Frequently Asked Questions
The estimates given by the calculator are based on your inputs. Actual returns may vary slightly due to market conditions, but if you use reasonable assumptions, it will give a realistic idea.
Yes! Investing a part of salary hikes (say 50%) in SIPs helps in growing investments faster and also keeps lifestyle inflation under control.
You will be safe if you assume conservative returns (10-12% for equities, 6-8% for debt). If returns are low, you may have to save more or delay retirement a bit.
Inflation reduces purchasing power. If you need ₹50,000/month today, then after 25 years you can need ₹2.4 lakh/month considering 6% inflation. The calculator adjusts this.
Yes, you can achieve retirement early if you:
- Start investing early
- Keep increasing SIP contributions regularly
- Maintain high savings rate (30-50% of income)
- Invest in high-growth assets (equity mutual funds, stocks).