Retirement Engine
Standalone Financial Module
Retirement Pro
Recommended Monthly SIP
₹24,406
Financial Freedom
Required Corpus at Age 60
₹8.62 Cr
₹2,87,175
30 Years
₹8.62 Cr
The 4% Withdrawal Strategy
Based on the 4% rule, a corpus of **₹8.62 Cr** can safely generate an annual income of **₹34,46,100** for life.
Inflation Adjusted View Your current expenses will grow by **6% annually**. To maintain your lifestyle, you'll need **₹2,87,175** per month at retirement.
Mastering Retirement
Accumulation Phase
The critical window where you build your corpus. Starting just 5 years earlier can reduce your required monthly SIP by up to 40% due to compounding.
SWR Principles
The Safe Withdrawal Rate (SWR) ensures you don't outlive your money. We use a 4% standard, assuming your post-retirement returns beat inflation by at least 1-2%.
Lifestyle Buffer
Retirement planning isn't just about bills; it's about leisure. We recommend adding a 20% "joy buffer" to your current expenses when setting your goal.