Your expenses today are not your expenses at retirement. This works forward from inflation-adjusted spending, applies the 25x/30x rule, then tells you the monthly SIP needed — and whether the corpus actually survives your retirement.
Most people underestimate the number badly, because they plan around today’s expenses.
₹60,000 a month today at 6% inflation is about ₹3.07 lakh a month in 28 years. Every credible retirement number starts here. Planning around today’s expenses is the single most common reason people under-save by a factor of three or more.
The 25x rule (from the 4% withdrawal literature) says a corpus of 25 times your first year’s retirement expenses is broadly sustainable. 30x is the conservative version, and is the more sensible default in India where inflation has run higher than in the markets that research came from. We also run a full drawdown model — growing your expenses each year and depleting the corpus — which is the more honest answer.
We credit whatever you have already saved, grow it at your pre-retirement return, and solve for the monthly SIP that covers the gap. If that number looks impossible, the levers are: retire later, spend less in retirement, or raise the savings rate now. There is no fourth lever.
Healthcare inflation (typically well above general inflation), one-off costs like a child’s education or wedding, any pension or rental income, and taxes on withdrawals. Treat the output as a floor, not a ceiling.
