Comprehensive Retirement Planner
Plan your retirement with our comprehensive tools including SIP calculator, SWP calculator, and step-up SIP features. Visualize your financial future with detailed projections.
Retirement Planner
Plan your retirement with SIP and SWP strategies combined
Use Mutual Fund CAGR for Expected Return
You plan to invest ₹20 Thousand per month via SIP.
You plan to invest for 10 years.
You expect about 12% annual returns during SIP.
You plan to withdraw ₹1.5 Lakh per month.
You plan to withdraw for 15 years.
You expect about 12% annual returns during SWP.
Your SIP will increase by 0% each year.
You plan a 2-year gap between SIP end and SWP start.
You plan to start your SIP in 2025.
Your monthly withdrawals will grow by 6% each year (to keep up with inflation).
Warning: Your current plan may not sustain your desired withdrawals
Based on your current inputs, your corpus will be depleted after approximately 1 years and 6 months of withdrawals.
To sustain your withdrawals for the full 15 years, consider:
- Increase monthly SIP to:₹57,929/month(Current: ₹20,000/month)
- Or increase expected returns to:19.67% p.a.(Current: 12% p.a.)
- Or adjust withdrawal strategy:
- Reduce initial withdrawal amount from ₹1.50 Lakh/month
- Decrease withdrawal period from 15 years
- Accept lower inflation adjustment than 6%
Note: These calculations consider your 2-year stopgap period and 6% annual withdrawal increase.
SIP & SWP Growth Chart
Investment Milestones
Investment vs Withdrawal Table
| Month | Phase | Txn | Closing Balance |
|---|---|---|---|
| Jan 2025 (1) | SIP | +₹20K | ₹20,000 |
| Feb 2025 (2) | SIP | +₹20K | ₹40,200 |
| Mar 2025 (3) | SIP | +₹20K | ₹60,602 |
| Apr 2025 (4) | SIP | +₹20K | ₹81,208.02 |
| May 2025 (5) | SIP | +₹20K | ₹1.02 Lakh |
| Jan 2035 (121) | Stopgap | - | ₹46.47 Lakh |
| Feb 2035 (122) | Stopgap | - | ₹46.93 Lakh |
| Jan 2037 (145) | SWP | -₹1.5L | ₹57.50 Lakh |
| Feb 2037 (146) | SWP | -₹1.5L | ₹56.58 Lakh |
| Mar 2037 (147) | SWP | -₹1.5L | ₹55.64 Lakh |
Tip: Use the Export button to save this table as a PDF for your records or sharing.
🚀 Comprehensive Retirement Planner Guide
Your future, your vibe! ✨ Plan, invest, and chill with the most Gen Z friendly retirement tool in India.
- Made for Indian Gen Z, Alpha, and next-gen investors
- Super easy, super visual, super fast
- All calculations in INR, lakh, and crore
- Instant results, interactive charts, and mobile-friendly
- SEO-optimized for Retirement Planner India, SIP Calculator, SWP Calculator, Indian Number Format, Lakh, Crore, INR, Financial Planning and more
Key Features
Project monthly investments with step-up options in Indian number format (₹, lakh, crore).
Model inflation-adjusted withdrawals to estimate corpus longevity and shortfall.
Fetch fund CAGR for 5Y/10Y/15Y/MAX and auto-apply to expected return fields.
Export tables to PDF, keyboard-friendly inputs, and responsive design.
Retirement Calculator for India
Use this retirement planner to estimate your retirement corpus, monthly pension via SWP, and wealth creation through SIP. Supports step-up SIP, inflation-adjusted withdrawals, and CAGR-based expected returns for mutual funds. Ideal for Indian investors planning long-term goals with INR (₹), lakh, and crore formatting.
How the Retirement Planner Works
- Enter your monthly SIP amount, tenure, and expected annual return. Optionally enable step-up SIP.
- Optionally set a stopgap period to let the corpus grow before withdrawals begin.
- Specify your monthly SWP amount, tenure, expected return during retirement, and yearly increase (inflation).
- Review the chart, milestones, and the Investment vs Withdrawal table. Export the table to PDF.
- Use the Mutual Fund CAGR helper to auto-fill realistic return assumptions.
Frequently Asked Questions
What is SIP and SWP?
SIP (Systematic Investment Plan) is periodic investing; SWP (Systematic Withdrawal Plan) is periodic withdrawal from your corpus post-accumulation.
How accurate are the results?
This tool uses deterministic projections based on your inputs. Market returns are volatile; actual results will vary. Use this for planning and scenario analysis only.
Can I rely on Mutual Fund CAGR for future returns?
Past returns do not guarantee future performance. CAGR is a helpful reference but should be combined with prudent expectations.
Disclaimer
This calculator is for educational purposes only and does not constitute investment advice. Market conditions and fund performance can change. Please consult a qualified financial advisor before making investment decisions.