Retirement SIP Calculator
Find the monthly SIP that closes the gap between your savings and your corpus target.
Result
- Current savings grow to
- ₹1,97,88,466
- Total you will invest
- ₹47,76,186
- Projected corpus
- ₹4,99,99,993
- Existing savings plus the SIP, rebuilt month by month.
| Year | Invested via SIP | Projected corpus |
|---|---|---|
| 1 | ₹1,91,047 | ₹13,30,757 |
| 2 | ₹3,82,095 | ₹17,03,463 |
| 3 | ₹5,73,142 | ₹21,23,437 |
| 4 | ₹7,64,190 | ₹25,96,675 |
| 5 | ₹9,55,237 | ₹31,29,931 |
| 6 | ₹11,46,285 | ₹37,30,817 |
| 7 | ₹13,37,332 | ₹44,07,910 |
| 8 | ₹15,28,380 | ₹51,70,876 |
| 9 | ₹17,19,427 | ₹60,30,605 |
| 10 | ₹19,10,474 | ₹69,99,369 |
| 11 | ₹21,01,522 | ₹80,90,997 |
| 12 | ₹22,92,569 | ₹93,21,070 |
| 13 | ₹24,83,617 | ₹1,07,07,147 |
| 14 | ₹26,74,664 | ₹1,22,69,014 |
| 15 | ₹28,65,712 | ₹1,40,28,965 |
| 16 | ₹30,56,759 | ₹1,60,12,121 |
| 17 | ₹32,47,806 | ₹1,82,46,791 |
| 18 | ₹34,38,854 | ₹2,07,64,873 |
| 19 | ₹36,29,901 | ₹2,36,02,312 |
| 20 | ₹38,20,949 | ₹2,67,99,608 |
| 21 | ₹40,11,996 | ₹3,04,02,401 |
| 22 | ₹42,03,044 | ₹3,44,62,119 |
| 23 | ₹43,94,091 | ₹3,90,36,711 |
| 24 | ₹45,85,139 | ₹4,41,91,476 |
| 25 | ₹47,76,186 | ₹4,99,99,993 |
An estimate, not a guarantee. It assumes the return you entered is earned steadily every month; real mutual fund returns vary year to year and can be negative. Nothing here is investment advice.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
Once you know the corpus you are aiming for, this works out the monthly SIP that gets you there. Savings you already hold are compounded forward to the retirement date first, and only the shortfall that remains has to be funded by the SIP. If the existing savings already reach the target on these assumptions, the required instalment is zero. Every figure is a projection on the return you supply, not a promise.
Formula
- Future value of current savings = S × (1 + i)^n, with i = expected return ÷ 12
- Shortfall = target corpus − that value, floored at zero
- SIP = Shortfall ÷ [(1 + i) × ((1 + i)^n − 1) ÷ i], and Shortfall ÷ n when i = 0
Frequently asked questions
Where do I get the corpus target?
From the retirement corpus calculator — it inflates today’s expenses and works out the amount that sustains them through retirement.
Why does the SIP show zero?
Because the savings you already hold are projected to exceed the target on the return and horizon you entered. Lower the return assumption to see how sensitive that is.
Can I step the SIP up each year instead?
Yes, and it usually means a smaller starting instalment. Use the step-up SIP calculator to test an amount before committing to it.