Why is the post-retirement return lower?

Most retirees shift to a debt-heavy allocation to protect capital. A blended 6–8% post-retirement return is realistic; equity-heavy pre-retirement portfolios can target 11–13%.

Retirement Corpus Calculator

Inflate today's monthly expenses to your retirement age, compute the corpus required and the SIP needed to build it.

Current age(years)30

Retirement age(years)60

Current monthly expense(₹)50,000

Inflation(% p.a.)6.00

Pre-retirement return(% p.a.)12.00

Post-retirement return(% p.a.)7.00

Post-retirement years(years)25

Inflated monthly expense at retirement

₹2,87,175

Retirement corpus required

₹7,64,27,465

Monthly SIP needed

₹21,651

// about this calculator

A retirement plan starts from a single number — the corpus that will fund your post-work years. The calculator inflates today's monthly expenses to your retirement age, then asks: how much capital, withdrawn at a real rate of return, can fund that expense for your expected lifespan? The required monthly SIP is then back-calculated using your years to retirement and the pre-retirement return.

// frequently asked questions

Using the PV of a growing annuity, where the growth rate is inflation and the discount rate is your post-retirement return. The math accounts for both the rising cost of living and the corpus continuing to earn returns through retirement.