Make the long term visible.
Plan retirement with India-specific withdrawal-rate research. Change the inputs, see the gap, and understand what patient monthly investing may need to do.
Illustrative planning tool · General information only
Choose a working ledger
Your Details
India CPI avg: ~6-7% (last 10 yrs)
NIFTY 50 CAGR: ~12% (20 yr avg, pre-tax)
Current Investments
Add your investments separately. Each one grows at its own rate.
Withdrawal Strategy (SWR)
How much you withdraw annually in retirement. Select based on your risk comfort.
Retirement Readiness
There is a gap to close. Starting earlier gives you more options.
Monthly Expenses at Retirement
₹5,42,743
₹5.43 L/mo. Today's ₹1,00,000 after 25 yrs at 7% inflation
Required Corpus (3% SWR)
₹21,49,26,333
₹21.49 Cr. 33× your annual expenses at retirement
Current Investments Will Grow To
₹2,89,24,334
₹2.89 Cr. From ₹20.00 L across 2 investments over 25 yrs
Monthly SIP Needed (Flat)
₹98,998
₹98,998/mo. The same amount every month at 12% p.a.
SWR methodology based on India-specific retirement research published on SSRN . Key finding: a 4% SWR in India carries ~35% probability of corpus depletion vs ~8% at 3%. Asset allocations with 30-40% equity tend to maximise SWR. Adding 10% gold allocation can improve SWR from 3% to 3.5%. This calculator is for illustrative purposes only and does not constitute a personalised recommendation.
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