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Seven tools · No email requiredChange the assumptions and watch what happens. Seeing how much of the final figure comes from time rather than from the amount is usually more persuasive than anything we could tell you.
What a fixed monthly investment could grow into.
Raise your SIP a little every year, as your income grows. This is the single highest-impact habit most investors never adopt.
— more than keeping the SIP flat.
Growth on a one-time investment left to compound.
Work backwards from a target. Note what inflation does to the cost of the thing you're saving for — that's the number most people forget.
You would invest about — in total across the period.
The corpus you'd need so that your monthly expenses, inflated to retirement, can be drawn for the rest of your life.
You have — to build it. The corpus assumes withdrawals rise with inflation through retirement.
Education inflation in India has consistently run ahead of general inflation. That gap, compounded over fifteen years, is the whole problem.
You have — before the first payment is due.
A Systematic Withdrawal Plan draws a fixed amount each month from a corpus. The question that matters is how long it lasts.
The calculator tells you what's needed. The risk profiler tells you whether you can actually hold the portfolio that gets you there.
Assumes a level monthly investment made at the end of each month, compounded monthly. Real SIPs buy units at varying NAVs, so your actual outcome depends on the sequence of returns, not just the average — two investors with the same average return can end up with different amounts depending on when the good and bad years fell.
Increases the monthly amount by your chosen percentage every twelve months. Compare it against the flat SIP figure — the difference is usually much larger than people expect, and it costs nothing beyond a standing instruction to raise the amount when your salary does.
Both inflate the target cost to the year you need it, then compute the monthly investment required to reach that inflated figure. Education is modelled separately because education costs have historically inflated faster than the general price level.
Inflates your current monthly expense to your retirement date, then calculates the corpus needed to fund inflation-adjusted withdrawals until the age you specify. It uses a real (inflation-adjusted) rate during retirement, so the corpus supports a rising withdrawal rather than a flat one — which is the more honest way to model it.
Models a fixed monthly withdrawal against an assumed growth rate. It also shows the withdrawal amount that would leave your capital untouched. It does not model sequence-of- returns risk, which is the real danger in retirement — a bad first few years while you're withdrawing does disproportionate damage. That's a conversation, not a slider.
