Why Retirement Planning Matters
India's average life expectancy has risen to 70+ years while the typical retirement age is 60. This means you could spend 15–25 years in retirement. Without careful planning, most people outlive their savings. The key is to start early — the power of compound interest means that ₹5,000 invested monthly at age 25 grows far more than ₹15,000 invested from age 45.
The Retirement Corpus Formula
SIP Future Value FormulaCorpus = PMT × [(1+r)ⁿ − 1] ÷ r × (1+r)
PMT = Monthly investment · r = Monthly rate · n = Months
Example: ₹10,000/mo · 12% pa · 30 years (age 30→60)
Corpus ≈ ₹3.53 Crore
PMT = Monthly investment · r = Monthly rate · n = Months
Example: ₹10,000/mo · 12% pa · 30 years (age 30→60)
Corpus ≈ ₹3.53 Crore
Retirement Savings by Monthly SIP
| Monthly SIP | 10 Years @12% | 20 Years @12% | 30 Years @12% |
|---|---|---|---|
| ₹5,000 | ₹11.6L | ₹49.9L | ₹1.76 Cr |
| ₹10,000 | ₹23.2L | ₹99.9L | ₹3.53 Cr |
| ₹20,000 | ₹46.4L | ₹1.99 Cr | ₹7.06 Cr |
| ₹50,000 | ₹1.16 Cr | ₹4.99 Cr | ₹17.6 Cr |
💡 Start at 25, not 35. Starting 10 years earlier typically doubles your retirement corpus due to compound interest. The best time to start was yesterday; the second best time is now.
🌴 Plan your retirement — calculate your target corpus today
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