Retirement Blueprint Calculator
Estimate your retirement corpus, track investment growth, and plan an inflation-adjusted SWP — all in one place.
- Complete the form and calculate to see your personalised retirement action plan.
How the retirement planner works.
Understand how the calculator builds your retirement corpus, how to use each input, and how to read your results — including the assumptions and limits to keep in mind.
It estimates the corpus you need to retire, projects how your existing savings, lumpsums and SIPs grow until retirement, and models a monthly withdrawal (SWP) through retirement — then shows any gap and how to close it.
Your current age, retirement age and how many years retirement should last; your inflation rate and current monthly expense; your existing corpus and any planned lumpsums; your monthly SIP; and your expected returns before and during retirement.
Retirement Age is when you stop working and begin withdrawing. "Life After Retirement" is how many years your corpus must then last. Together they set the length of your saving phase and your withdrawal phase.
Put money already invested in Existing Corpus. Use Additional Lumpsum Investments for one-time amounts you plan to invest today or on a future date — each is grown from its own date up to retirement. Add as many rows as you need.
A Fixed SIP invests the same amount every month. A Step-Up SIP raises your monthly amount by a set percentage each year, so you start lower today and increase as your income grows.
It's the income you'll draw in the first month of retirement. Leave it at 0 and the calculator uses your inflation-adjusted future monthly expense automatically; enter a figure to override that.
Inflation-Adjusted raises your withdrawal every year so your spending power holds up, which needs a larger corpus. Fixed keeps the rupee amount flat — cheaper to fund, but it loses purchasing power over time.
Yes — set a lower Retirement Age. That shortens the years you have to invest and lengthens the withdrawal period, both of which raise the corpus you'll need.
The calculator runs a month-by-month simulation and finds the smallest starting corpus that — growing at your post-retirement return while you withdraw your (rising) SWP each month — lasts exactly through your retirement years.
Your current monthly expense is grown by your inflation rate over the years until you retire. At 6% inflation, an expense roughly triples over 20 years.
It begins at your Month-1 figure and, in Inflation-Adjusted mode, rises each year by your "Annual SWP Increase" rate — which is why the calculator also reports the larger withdrawal you'd take in your final retirement year.
Before retirement, long-horizon equity portfolios are often planned around 10–12%. During retirement, money usually shifts to safer assets, so 7–8% is common — and it should stay above your inflation and SWP-increase rate to remain sustainable.
The first traces how your existing corpus, lumpsums and SIP build up year by year before retirement. The second shows your corpus drawing down during retirement alongside the rising monthly SWP.
Yes. This calculator is deterministic — it applies your stated returns directly rather than simulating random markets, so identical inputs always produce identical results.
The required figure is the bare amount the withdrawal model needs. The suggested planning corpus adds a safety buffer on top, giving you a more realistic target to actually aim for.
It's an extra cushion (7% by default, adjustable in the section settings) layered over the SWP-based need to absorb market volatility, taxes, healthcare inflation and the risk of weak returns early in retirement.
It compares your total projected corpus with what's required. A gap means you're short and should invest more; a surplus means you're on track with room to spare.
They're three ways to invest the shortfall: Option A is a flat monthly SIP, Option B starts lower and steps up 10% a year, and Option C starts lower still and steps up 15% a year — all reaching the same target corpus.
It appears when your projected corpus would run out before your retirement period ends, and it names the year that happens. Increase your SIP or corpus, trim the planned SWP, or work a little longer to clear it.
It shows the total you'd withdraw across retirement, your first-year SWP as a percentage of the corpus, and the corpus expected to remain at the end — a quick read on how sustainable the plan is.
No. Taxes vary by investment type, holding period and your slab, so they aren't modeled. As a guide, long-term gains on equity funds above ₹1.25 lakh a year are taxed at 12.5% — consult a tax advisor for post-tax planning.
You can if you'll keep them invested until retirement, but they earn their own fixed rates. For accuracy, project their maturity value separately and add that figure, rather than growing them at an equity return.
It assumes steady returns and inflation and a single withdrawal pattern; it doesn't model taxes, fees, fund selection, market sequence risk or changes in your circumstances. Real outcomes will differ from any single projection.
No — it's an educational, illustrative tool. Mutual fund investments are subject to market risks; read all scheme-related documents carefully, and consult a SEBI-registered advisor before making decisions.