Most people guess. This one does the math properly — inflation-adjusts your future expenses, sizes the corpus for the years you'll be retired, then tells you what monthly SIP from today gets you there.
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Today's monthly expenses, compounded forward by inflation for the years until retirement. ₹60,000 today at 6% inflation, in 28 years, becomes roughly ₹3.07 lakh per month. That number is what you'll actually need to spend each month at retirement — not today's ₹60k.
Most retirement plans fail because they use today's number. Don't. Use the inflated one.
Present value of a growing annuity, basically. Your corpus needs to fund inflation-rising monthly withdrawals for the entire retirement duration — while still growing at the post-retirement return rate.
We use a real return (post-retirement return minus inflation) to discount the future withdrawals, multiply by 12 months × retirement years, and you get the corpus needed at retirement age. The math is standard "present value of annuity due" with the inflation adjustment baked in.
Same reverse-SIP math as the Goal SIP calculator — but the goal is the corpus we just calculated, and the timeline is the years until retirement, and the return rate is the higher pre-retirement (equity) one.
Want help actually picking the funds and setting up the SIP? Talk to Archita. That's literally the conversation she has every day.