Retirement Calculator
Estimate the corpus needed for retirement income and the savings required to build it.
Retirement Planner
Plan accumulation and post-retirement withdrawals. Find how much to invest now, or how much you can withdraw monthly.
Start investing (monthly SIP)
₹29,694
for 10 years (+10% yearly step-up) to withdraw ₹1,00,000/month for 15 years
Corpus at Retirement
₹1,04,33,850
Corpus Required for Withdrawals
₹1,04,33,820
Total Invested (Accumulation)
₹60,78,951
Est. Returns (Accumulation)
₹43,54,899
Retirement Timeline
Accumulation Phase — 10 years
Invest via SIP (₹29,694/month) with 10% annual step-up + lumpsum in 4 year(s) at 12% expected return.
Withdrawal Phase — 15 years
Withdraw ₹1,00,000/month at 8% expected return during retirement.
Growth Projection
Retirement planner: accumulation + withdrawal in one view
Retirement planning is a two-phase problem: building a corpus (accumulation) and then drawing from it (withdrawal). This planner helps you estimate either the SIP needed to support a desired monthly retirement income, or the monthly income your current plan could support within a Zomint-style goal plan.
You can also add planned lumpsum contributions in specific years to reflect bonuses, ESOP liquidity, or other expected cash inflows.
Disclaimer: Mutual fund calculators use standard compound interest formulas for illustrative purposes only. SIP and step-up SIP projections assume contributions at the start of each period. SWP projections assume withdrawals at the start of each month. Loan EMI calculators use the standard reducing-balance amortization formula and exclude processing fees, insurance, taxes, and lender-specific charges. Actual mutual fund returns vary based on market conditions. Past performance does not guarantee future results. Please consult a qualified advisor before making financial decisions.