Goal plan
SIP for Retirement
Build a retirement corpus with a SIP — then see how long it lasts with the SWP planner.
Retirement is the longest-horizon goal, which is exactly why SIPs suit it: decades of compounding turn modest monthly amounts into large corpuses. The solver below targets a ₹3 crore corpus over 25 years as a starting point — adjust to your own number.
A retirement plan has two halves. The accumulation phase (this solver) builds the corpus. The decumulation phase — drawing an income from it — is modelled separately in the SWP calculator, where you can see how long a corpus lasts under inflation-rising withdrawals.
Because the horizon is long, inflation compounds dramatically. Always look at the real-value figure, not the nominal: a ₹3 crore nominal corpus in 25 years at 6% inflation is worth far less in today's purchasing power, and that's the number that tells you whether you can actually retire on it.
Related tools
In shortA retirement SIP has two phases: building the corpus, then drawing it down. Size the target as the corpus that can fund your inflation-rising expenses through a systematic withdrawal plan for 25–30 years. Back-solve the monthly SIP from that target, and step it up each year as your income grows, so the late years carry the load.
Monthly SIP needed for ₹3 crore, by time horizon
Required monthly SIP to have ₹3 crore after tax, at an assumed 12% a year. The step-up column starts lower and raises the SIP by 10% every year. Change any input in the calculator above to see your own numbers.
| Horizon | Flat SIP | 10% step-up (starting SIP) | Total invested (flat SIP) |
|---|---|---|---|
| 5 years | ₹3,85,411 | ₹3,21,847 | ₹2.31 crore |
| 10 years | ₹1,43,337 | ₹97,591 | ₹1.72 crore |
| 15 years | ₹68,926 | ₹39,202 | ₹1.24 crore |
| 20 years | ₹36,244 | ₹17,630 | ₹87.0 lakh |
| 25 years | ₹19,820 | ₹8,426 | ₹59.5 lakh |
Target in future rupees, after 12.5% LTCG on gains above ₹1.25 lakh. Returns are an assumption, not a forecast.
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Understand the concept: From SIP to SWP: The Accumulation-to-Income Transition