How Much SIP Do You Need for Retirement in India?
The SIP you need depends on your retirement corpus gap, years to retirement, expected return, and annual step-up. Starting in your 30s at ₹50,000/month expenses often requires ₹15,000–₹25,000/month SIP with 10% step-up — but varies widely.
Key Takeaways
- •SIP step-up materially reduces the base monthly amount needed.
- •Starting earlier lowers required SIP due to compounding.
- •Gap analysis shows extra SIP needed if current savings fall short.
AI Retirement Planner & Calculator
Know how much you'll need for retirement, the SIP to build your corpus, and whether you're on track.
Trusted by mutual fund investors · Educational projections only
Plan your retirement
Moderate lifestyle with travel, dining, and leisure.
₹8.52 Cr
₹100/mo
Retirement Readiness Score
100 / 100
Excellent
You are ahead of 85% of investors in your age group.
SWP at 4%: ₹5.77 L/mo
Financial freedom age: 30
Retirement Gap
Needed
₹8.52 Cr
Expected
₹17.32 Cr
Gap
₹0
Inflation Impact
Today's Expenses
₹50,000
At Retirement
₹3.52 L
Expenses may grow ~605% by retirement at 6.5% inflation
Wealth Timeline
₹5.00 L40
₹80.29 L50
₹4.17 CrRetirement
₹17.32 Cr85
₹8.52 Cr
Corpus Breakdown at Retirement
Existing Wealth
8%
Future SIP
21%
Investment Growth
71%
AI Insights
- Your projected corpus meets or exceeds the inflation-adjusted target — review assumptions annually.
- Since your investment horizon exceeds 25 years, equity mutual funds may be suitable for inflation-beating growth, depending on your risk profile.
- You may reach financial freedom around age 30 — earlier than your target retirement age.
What If?
Monte Carlo
100%
Probability of success · Excellent
Illustrative simulation across return scenarios
Retirement Health Dashboard
Overall 91
Inflation Protection
95
Investment Discipline
100
Goal Progress
100
Withdrawal Safety
100
Diversification
50
Improve Your Retirement Plan
How it works
Systematic Investment Plans (SIPs) are the primary accumulation tool for many Indian retirement plans alongside EPF, PPF, and NPS.
Compare your current SIP against the 'extra SIP to close gap' output in the ClearMF calculator.
Related tools
ClearMF retirement calculator provides educational projections only. It is not SEBI-registered investment advice. Actual returns, inflation, taxes, and longevity risk may differ. Consult a qualified financial planner for personalized guidance.