Retirement SIP Calculator

Find the monthly SIP you need to invest to reach your target retirement corpus.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your target retirement corpus, expected return, and years remaining to find the required monthly SIP.
₹
%
years

Your result

₹22,423.36

Required monthly SIP

Total invested₹67,27,008.69
Total returns₹2,32,72,991.31

AI explanation

Formula

Inverts the SIP future-value formula to solve for the required monthly investment

Worked example

₹3 crore target, 10% return, 25 years

Worked example: ₹3 crore target, 10% return, 25 years
FieldValue
Target retirement corpus30000000
Expected annual return10
Years to retirement25
Required monthly SIP22423.36

Assumptions

  • Use the Retirement Corpus Calculator first to determine a realistic, inflation-adjusted target corpus, then enter that target here.
  • Assumes a constant expected annual return throughout — actual market returns fluctuate.
  • Informational only.

Frequently asked questions

How do I know what target corpus to use?

Use the Retirement Corpus Calculator first — it works backward from your desired monthly expense, inflation, and life expectancy to size a realistic target, which you can then enter here.

What if the required SIP is more than I can currently afford?

Consider a longer time horizon, a step-up SIP that grows with your income (see the SIP Step-Up Calculator), or a combination of a smaller SIP alongside other retirement savings vehicles like EPF, PPF, or NPS.

Should retirement savings be entirely in equity mutual funds?

Most financial planners recommend diversifying across asset classes and gradually shifting to more conservative investments as retirement approaches, rather than staying fully invested in equity throughout.

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Related articles

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Closing the Gap Between Your Projected and Required Retirement Corpus

Comparing what you're on track to save against what you'll actually need reveals a real shortfall — and a goal-based SIP calculation, using that exact gap as its target, shows the additional monthly investment needed to close it.

Read guide

Sources

  • National Pension System — Pension Fund Regulatory and Development Authority (PFRDA). Effective 01-01-2004, reviewed 13-09-2026.

This calculator provides a general estimate only and does not constitute financial or retirement planning advice.

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