Retirement is not an age, it is a financial number. Find out yours today.
Expenses you need to cover in retirement (today's value).
You are falling short.
Consider increasing your monthly investment or retiring later. Increasing SIP by just 10% can make a huge difference.
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Most calculators mislead you by ignoring inflation. If you need $4,000/month today, you will need nearly $9,700/month in 20 years (at 6% inflation) just to maintain the same lifestyle.
A common rule of thumb is that you can withdraw 4% of your retirement portfolio annually without running out of money. Our calculator uses a more precise method based on your specific life expectancy and return rates.
SIP (Systematic Investment Plan) allows investing a fixed amount regularly in mutual funds. It averages purchase cost through rupee-cost averaging and benefits from compounding over long periods.
Historically, equity mutual funds have delivered 12-15% CAGR over 10+ years. However, returns vary by fund type, market conditions, and investment horizon. Past performance doesn't guarantee future returns.
SIP is better for regular income earners and reduces market timing risk. Lump sum works when you have surplus funds and markets are undervalued. Combining both strategies often yields optimal results.
PPF offers tax-free returns (7.1% currently), 15-year lock-in, and EEE tax status. FD offers flexible tenure, immediate liquidity, but taxable interest (6-7.5%). PPF suits long-term tax-free savings; FD suits short-term liquidity needs.