Retirement calculator
One plan from the first SIP to the last withdrawal: invest until you retire, then draw an income from what you built. Name the monthly income you want and see whether the corpus carries it — or let the calculator solve for the largest income it can pay for life.
Accumulation
Lumpsum additions
1 scheduledWithdrawal
Corpus across the plan
Age by age
Scroll for the full plan| Age | Phase | In / Out | Growth | Corpus |
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Withdrawals are entered in today's rupees and indexed to inflation every year, so the income keeps its buying power; every corpus figure above is nominal, the rupees of the year they fall in. The post-retirement return is set lower than the accumulation return on purpose — a retired portfolio usually holds more debt and less equity, because a bad year matters far more when you are drawing from it than when you are adding to it. Each phase is capped at 50 years. Both phases assume a constant return compounded monthly; a real portfolio returns a different amount every year, and a poor run in the first retirement years empties a corpus faster than this average-return view suggests. An illustration, not advice.