Retirement Planner 2026: Corpus, SIP & SWP Calculator
India's most comprehensive retirement planner for salaried professionals. Calculate retirement corpus needed, monthly SIP required, safe SWP withdrawal & get your Readiness Score.
👤 Your Profile
30 yrs to retire · 25 yrs in retirement
💸 Expenses & Returns
📊 Your SIP Plan
Retirement Readiness
100/100
On Track 🎉
Corpus covered
158%
Projected corpus: ₹7.06 Cr vs required: ₹4.46 Cr
Corpus Required
₹4.46 Cr
at 60 yrs (inflation-adjusted)
Your Projected Corpus
₹7.06 Cr
SIP + Bonus + Existing savings
Monthly SIP Needed
₹12,775
to fully fund ₹4.5Cr corpus
Safe Monthly SWP
₹5,44,889
sustainable for 25 yrs
Expense at Retirement
₹3,44,609
today's ₹₹60,000 at 6% inflation
Corpus Surplus
₹2.59 Cr
You're building more than needed!
🏦 Your Corpus vs Required
📈 Salaried Professional Insight
With a 10–15% step-up SIP matching your annual increment, your starting SIP of ₹20,000 grows to ₹3,48,988 by retirement age — dramatically boosting corpus without feeling the pinch today.
📥 Download Your Personalised Retirement Plan
Age: 30 · Retiring at: 60 · SIP: ₹20,000/mo · Corpus needed: ₹4.46 Cr · Score: 100/100
4 sheets: Retirement Summary · Year-by-Year · SWP Schedule · Readiness Report · Free, no sign-up
Frequently Asked Questions — Retirement Planner
Common questions about retirement corpus, SIP planning and SWP withdrawal for salaried professionals in India
How much retirement corpus do I need in India?▾
Your corpus depends on monthly expenses, inflation, retirement age and life expectancy. A practical rule: multiply your expected monthly expense at retirement by 250–300 (the 25x rule at ~4% withdrawal). For example, ₹1 lakh/month at retirement needs ₹2.5–3 crore. Use the Planner tab above with your actual numbers for a precise figure.
How much SIP do I need to retire at 60?▾
A 30-year-old spending ₹60,000/month today (at 6% inflation) needs roughly ₹8–10 crore at 60. To build this in 30 years at 12% equity return requires about ₹18,000–22,000/month SIP. Using a 10% step-up SIP (matching salary hikes) significantly reduces the starting SIP needed. Enter your details in the Planner tab for your exact number.
What is a safe SWP withdrawal rate in retirement?▾
In India, a safe SWP rate is generally 4–6% per year of corpus, assuming balanced/hybrid fund returns of 8–9% post-retirement. This ensures the corpus lasts 25–30 years. The SWP Schedule tab shows your exact year-by-year corpus balance across your full retirement.
What is a retirement readiness score?▾
The readiness score (0–100) shows what percentage of your required corpus your current plan will build. 100 = fully funded. Below 70 means you need to raise SIP, delay retirement, or reduce spending targets. The Readiness Score tab gives a full checklist with specific actions to improve your score.
How does inflation affect retirement planning?▾
Inflation is retirement planning's biggest risk. At 6% inflation, ₹60,000/month today becomes ₹1.08 lakh in 10 years and ₹1.93 lakh in 20 years. Your corpus must fund this much larger future expense. The Inflation Impact tab visualises this year by year so you can see exactly how much the purchasing power of your savings erodes.
Can I download my retirement plan as Excel?▾
Yes — click "Download Excel Report" in the green bar above. You get a free 4-sheet Excel: (1) Retirement Summary with all key figures, (2) Year-by-Year corpus projection from today to retirement, (3) SWP withdrawal schedule for all post-retirement years, and (4) Readiness Report with a 7-point checklist. No sign-up required.
Built by ProfitNifty
Personal finance platform for Indian salaried professionals · Smart Money for Every Indian Salary
⚠️ Disclaimer: This retirement planner is provided for educational and informational purposes only. Projections are based on assumed return rates, inflation estimates and user-provided inputs — they do not guarantee actual outcomes. Equity and mutual fund returns are subject to market risk and may vary significantly from assumptions. ProfitNifty is not a SEBI-registered investment advisor or PFRDA-registered pension fund manager. Please consult a SEBI-registered financial planner before making retirement investment decisions. | profitnifty.in · Smart Money for Every Indian Salary.