Retirement Planning 101
Calculate Your Corpus
Current monthly expense: ₹60,000
With 6% inflation over 25 years: ₹2.5L+/month
Annual need: ₹30L
Corpus required (4% withdrawal rule): ₹7.5 crore
Monthly SIP Needed
- 30 years horizon, 12% returns: ₹15,000/month
- 25 years horizon: ₹20,000/month
- Start early for lower monthly commitment
The 4% Rule
Withdraw only 4% annually from retirement corpus. This ensures your money lasts 30+ years.