SIP and Retirement Calculator
Calculatorsfy has an SIP and Retirement Calculator for you, so you can determine your financial goals and the right savings.
Investment Details
Plan Your Future Today
Fill in the details on the left and click calculate to see your results here.
- ✨ Compound Interest
- 📊 Interactive Charts
- 🛡️ Inflation Proof
- 🚀 SIP Step-up
SIP and Retirement Calculator: How to Build a ₹10 Crore Fund for Retirement?
We all have a dream: a life where, after the age of 60, there’s no need to worry about work and only peace. But have you ever thought that the ₹50,000 you’re living on today might need to become ₹300,000–₹400,000 a month in 30 years to maintain the same lifestyle?
This is where people make a mistake: they do Retirement planning with SIP but completely forget about inflation.
Imagine, Rahul is a 25-year-old software engineer who invests ₹10,000 every month. On the other hand, his friend Amit starts investing at the age of 35. Both have the same target, but Rahul’s corpus grows to be much larger than Amit’s. Why? Because he has leveraged the “Power of Compounding” and “Early Entry.”
Our SIP and Retirement Calculator is not just a basic tool. It’s your personal financial advisor that, by incorporating factors like your salary hikes and SIP step-ups, tells you how much of a crorepati you’re actually going to be.
Important Insight: Retirement planning isn’t just about saving money; it’s about creating wealth by beating inflation. If your returns aren’t higher than inflation, you’re actually losing money.
Who is this tool for?
This SIP and Retirement Calculator is designed for every person who is very serious about their financial security:
- Early Earners (Age 21-30): People who are just starting their careers and want to know how a small start can grow to 5-10 Crore in the future.
- The Late Bloomers (Age 35-45): Those who are a bit late but now want to recover their retirement fund through heavy investment (Step-up).
- Salaried Professionals: Who get a 5-10% increment every year and want to see how much their increasing salary will contribute to their retirement.
- Financial Minimalists: Who dream of “Early Retirement” (FIRE Movement) and want to know what their “Safe Withdrawal Rate” will be.
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Total Time: 2 Minutes, Cost: Free
How to Use a SIP and Retirement Calculator: Step-by-Step Guide
Using our SIP and Retirement Calculator is very simple and easy, but only using each feature correctly will give you accurate results. Please follow the steps below carefully:
Step 1: Enter Your Basic Details
First, look at the “Investment Details” section on the left side of the SIP and Retirement Calculator and enter all the details given below, such as:
1. Current Age: Enter your current age.
2. Retirement Age: Select the age when you want to stop working (e.g., 55 or 60 years).
3. Monthly Income: Enter the amount you earn each month.
Step 2: Set Expenses and Savings
1. Monthly Expense: What is your monthly expense? This is used for inflation adjustment.
2. Initial SIP: How much can you invest each month right now (Monthly SIP)?
3. SIP Frequency: Here you can choose whether you want to invest once a month (Monthly), once a quarter (Quarterly), or once a year (Annually).
Step 3: Enter Growth and Hike Parameters
Here, you need to make some future projections:
1. Salary Hike (%): By approximately what percentage will your salary increase each year? (Example: 7%).
2. SIP Step-up (%): When your salary increases, what percentage of that will you use to increase your SIP? (This makes the corpus grow much faster).
3. Returns (%): What return do you expect on your investment? (Example: For mutual funds, people expect around 12%).
4. Inflation (%): The rate of inflation. In India, this is usually around 6%, so you can enter that percentage based on your own calculation.
Step 4: Click the “Generate Plan” Button
Once you have filled in all the details, click the “Generate Plan” button below. As soon as you click, the blank panel on the right side will update.
Step 5: Understand the Results
After the calculation, you will see 3 main things:
1. Total Invested: The total amount of money you have invested from your pocket over these years.
2. Retirement Corpus: This shows the total amount you will have at retirement (with compounding).
3. Today’s Value: The most important part! Considering inflation, this shows how much today’s value of 5-10 crore will be worth at retirement.
Step 6: View the Chart and Table
1. Growth Chart: This line chart shows how your money rockets upward in the final years thanks to compounding.
2. View Growth Projection Table: By clicking on this, you can see year-by-year what your salary was, how much your SIP was, and what your total wealth has become.
Pro Tip: Use the “Step-up SIP” feature! If you increase your SIP amount by just 10% each year (step-up), then after 20 years, your final corpus could be more than double that of a regular SIP. This is considered the biggest benefit of the Step-up SIP calculator in India.
How a SIP and Retirement Calculator Works: The Simple Formula
Many people ask, “How does this calculator work?” So let’s take a deeper look at it.
The Power of Compounding
Our SIP and Retirement Calculator uses an advanced version of compound interest to calculate future wealth. Its formula is:
But we’re not just taking out a simple SIP here. Our code calculates your salary increase each year and its proportional SIP increase, then adds it in. This is called the “Increasing Annuity” concept.
Inflation-Adjusted Retirement Corpus (The Reality Check)
The most special feature of this tool is that it tells you the “Today’s Value.”
Let’s say you will have 10 crores in 30 years. But with 6% inflation, the value of that 10 Crore will be worth only about 1.5 to 2 Crore today. Our tool lays this reality out for you upfront so that you don’t set a low target, but rather a higher one.
When planning for retirement, people often focus only on returns but forget about inflation. In India, to build long-term wealth, it’s essential to beat inflation. You can see in the AMFI (Association of Mutual Funds in India) guidelines how SIP compounding helps you overcome inflation and build a substantial retirement corpus.
Common Mistakes to Avoid (Mistakes that will cost you dearly)
| Mistake | Loss | The right way |
| Delaying Investment | The compounding time is reduced (cost of delay). | Start as early as possible (in your early 20s). |
| Ignoring Inflation | In the future, the corpus will become insufficient. | Always assume an inflation rate of 6%. |
| Fixed SIP | Do not increase your SIP even if your salary increases. | Always select the Step Up SIP option. |
| Overestimating Returns | Expecting a return of 20-25% is unrealistic. | Calculate only realistic returns (12-15%). |
How much to save for retirement in India? The answer is simple: your retirement corpus should be at least 20 to 25 times your annual expenses (20x–25x), including inflation adjustments.
Real-world Case Studies (The Cost of Delay)
There’s an old saying in finance: “The best time to invest was yesterday; the second-best time is today.” Let’s understand this with the example of two friends, Rahul and Sneha:
| Feature | Case A: Early Bird (Rahul) | Case B: Late Starter (Sneha) |
| Start Age | 25 Years | 35 Years |
| Retirement Age | 60 Years | 60 Years |
| Monthly SIP | ₹10,000 | ₹25,000 |
| Annual Step-up | 10% | 10% |
| Total Invested | ₹2.98 Crore | ₹3.67 Crore |
| Final Corpus (12%) | ₹18.5 Crore | ₹8.2 Crore |
Shocking Result: Rahul invested less money than Sneha, but his final corpus is more than double hers. Why? Because he had an extra 10 years of compounding time. This is what you call the real power of retirement planning with SIP.
Comparison Guide (Us vs Others) + Troubleshooting
There are thousands of SIP and retirement calculators in the market, but what makes our tool different? Let’s find out.
Comparison Table: Our SIP and Retirement Calculator vs. Basic Calculators
| Features | Basic SIP and Retirement Calculator | Our Advanced SIP and Retirement Calculator |
| Monthly SIP | ✅ Yes | ✅ Yes |
| Expected Returns | ✅ Yes | ✅ Yes |
| Salary Hike Impact | ❌ No | ✅ Yes |
| SIP Step-up (%) | ❌ No | ✅ Yes |
| Inflation Adjustment | ❌ No | ✅ Yes (Today’s Value) |
| Growth Table | ❌ No | ✅ Yes (Year-wise) |
Why it matters: If you don’t calculate inflation and step-up, you’re chasing a “fake number.” But our tool shows you your inflation-adjusted retirement corpus, which will open your eyes.
Troubleshooting Section (Common Issues)
- Not seeing the results? Make sure you have set your ‘Current Age’ to be less than your ‘Retirement Age’.
- Chart not loading? Enable JavaScript in your browser or refresh the page.
- Negative values? If your expenses are greater than your income, your wealth accumulation will show as negative.
Pros & Cons
Pros:
- Perfect alignment of salary hikes and SIP growth.
- Interactive charts that show visual growth.
- Full data privacy: No server-side storage.
Cons:
- Cannot predict market volatility (returns are not fixed).
- A lump-sum investment option is not currently available separately.
Data Privacy & Disclaimer: Our Retirement Corpus Calculator is easy to understand for both Hindi and English speakers. We do not store any of your financial data. This is a purely client-side tool. Disclaimer: SIP investments are subject to market risks. The results of this tool are estimates; please consult an advisor before making any final investment decisions.
Frequently Asked Questions
How much corpus is enough for retirement?
For a comfortable retirement in India, your corpus should be at least 20 to 30 times your annual expenses. Our Mutual Fund Retirement Planner fully helps you determine the right amount by adjusting for inflation.
Are 12% returns realistic?
Yes, equity mutual funds have delivered an average of 12% to 15% returns over the past 15–20 years. However, in the long term, the market can go up and down, so we stick to 12% to be conservative.
Why is SIP step-up necessary?
As your salary grows, your investments should grow too. By increasing your investment by just 10% each year, your final wealth can increase by up to 50%. This makes compound interest in your pension work even faster.
What impact does inflation have on retirement?
If your current expenses are ₹50,000, then at 6% inflation, in 20 years you’ll need ₹160,000 per month to maintain the same lifestyle. Our SIP and Retirement Calculator already computes this “Today’s Value.”
Can I stop an SIP midway?
Yes, Mutual Funds are flexible. But remember, the real magic of compounding is seen when you invest for the long term without interruption.
Is there any charge to use this tool?
No, this Retirement Corpus Calculator is completely free and always will be.
What are the tips for Early Retirement (FIRE)?
For early retirement, you need an “Aggressive Step-up” and a “High Savings Rate.” In our tool, set the “Retirement Age” to 45 or 50 and see how much SIP you need.
Why is there a ‘Salary Hike’ option in this calculator?
Most calculators forget that your salary will increase every year. When your income grows, you can invest more. This tool shows how that increased capacity is converted into wealth.
Conclusion: Start today!
Financial freedom isn’t a lottery; it’s a calculated discipline. Our SIP and Retirement Calculator doesn’t just show you numbers—it gives you hope and a roadmap.
Remember, in investing, the biggest asset isn’t “money,” but “time.” The sooner you start, the larger the corpus that awaits you.
Go up now, enter your numbers, and see when your dream of becoming a ‘Crorepathi’ will come true.