Retirement SIP Planner

Find the monthly SIP amount needed to build your retirement corpus. Reverse-calculate from your retirement goal to your required monthly investment.

Retirement SIP Planner

Find the monthly SIP needed to build your retirement corpus

Retirement corpus target Rs 2,00,00,000
Rs
Years to retirement 25 yrs
yrs
Expected return 12%
%
Current savings Rs 5,00,000
Rs
Annual SIP step-up 0%
%
Monthly SIP needed
---
starting amount
Total invested
---
over the period
Wealth gained
---
returns on investment
Corpus target---
Growth from existing savings---
Gap to fill via SIP---
Monthly SIP required---

Mutual fund returns are subject to market risk. Past performance is not indicative of future results.

Corpus buildup year by year
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ThriftRupee Insight

The SIP amount needed doubles roughly every 6-7 years you delay. Starting at 25 vs 32 for the same retirement goal means you need just half the monthly SIP. Step-up SIPs (increasing SIP by 10% annually) are even more powerful -- a Rs 5,000 SIP that increases 10% yearly reaches Rs 21,000 by year 15, dramatically accelerating corpus building without feeling the pinch of a large upfront commitment.

Retirement SIP Planner — Monthly Investment Calculator

Reverse-calculate from your retirement corpus target to find the exact monthly SIP needed. Supports step-up SIPs and accounts for existing savings.

Frequently asked questions

How do I calculate SIP needed for retirement?▼
Formula: SIP = (Target Corpus x monthly rate) / ((1 + monthly rate)^months - 1). For example, to build Rs 2 crore in 25 years at 12% annual return, you need about Rs 12,500/month SIP. This calculator does the math -- just enter your retirement corpus target, timeline, and expected return.
What is a step-up SIP?▼
A step-up (or top-up) SIP automatically increases your SIP amount by a fixed percentage every year, usually 10-15%. It leverages salary hikes to invest more without strain. Rs 5,000 SIP with 10% annual step-up becomes Rs 13,000 in 10 years and Rs 33,000 in 20 years, building wealth much faster than a flat SIP with the same starting amount.
Which mutual funds are best for retirement SIP?▼
For long horizons (15+ years): Flexi-cap or large-cap index funds for core allocation (70-80%), mid-cap funds for growth (10-20%). For 5-10 years to retirement: Shift to balanced advantage or aggressive hybrid funds. In retirement: Conservative hybrid or debt funds for capital protection. Review and rebalance annually. Avoid chasing past performers.

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