Retirement planner

Invest now, withdraw later, and compare three ways the money can last.

Age now

Retire at

Plan until

For a lifelong income, plan up to a cautious life expectancy. 85 or 90 is typical.

Monthly income wanted (today's money)50 thousand

₹

Inflation

Return while investing

Return in retirement

Existing corpus

₹

Amount to leave behind10 lakh

₹

Used by the middle column.

SIP to retire comfortably

₹16,093

for 25 years, money lasting to age 85

Monthly income at 60

₹2,14,594

₹50,000 today, after 25 years of inflation

Already provided

₹0

existing corpus grown to retirement

Three ways the money can end

The monthly income is the same in each. They differ only in what's left when the plan ends.

	Fully drained	Leave ₹10,00,000	Live off interest
SIP needed from today	₹16,093	₹16,185	₹19,386
Corpus needed at 60	₹3,05,39,288	₹3,07,13,947	₹3,67,87,463
Left at the end	₹0	₹10,00,000	₹3,67,87,463
Lasts	25 years, then nothing is left	25 years of withdrawals, ₹10,00,000 still remaining	Forever, as the principal is never touched

Fully drained. The money runs out exactly when the plan ends, not a day earlier or later.
Leave ₹10,00,000. Solved to leave a chosen amount behind rather than running to zero.
Live off interest. Only the interest is drawn, so the corpus outlives the plan and passes on intact. The withdrawal stays fixed in rupees, so its buying power erodes every year.

What inflation does to this

₹50,000 a month wanted today becomes ₹2,14,594 a month by age 60. Every column uses that fixed amount and none of them raise it once withdrawals begin, so its buying power slowly falls after 60. In today's money, the "fully drained" corpus is ₹71,15,612.

More in plan a goal

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