Frequently Asked Questions
Common questions about SIP, retirement planning, and inflation
How much SIP do I need to retire comfortably considering inflation?
Use the Retirement Readiness calculator on this page: enter your monthly income, expenses (including EMIs), years to retirement, and inflation rate. It calculates the future cost of your current lifestyle, the retirement corpus you'll need, and the exact monthly SIP required to reach it — compared against what you can actually afford to save today.
What is a good SIP amount for a monthly income of ₹1 lakh?
It depends on your expenses and retirement timeline. For example, someone earning ₹1,00,000/month with ₹40,000/month in expenses has a ₹60,000 monthly surplus. To retire in 25 years accounting for 6% inflation, roughly ₹27,000/month invested via SIP at an assumed 12% return can build the required retirement corpus, leaving room for other financial goals.
How does inflation affect my SIP and retirement planning?
Inflation increases the future cost of your current expenses every year. A monthly expense of ₹40,000 today can grow to over ₹1,70,000/month in 25 years at 6% inflation. The Inflation Adjusted Returns and Retirement Readiness calculators on this page show both the nominal and real (inflation-adjusted) value of your investments so you can plan accurately.
Are these calculators free, and do I need to log in?
All 8 calculators are completely free and require no login or sign-up. You can use the SIP, SWP, Lumpsum, Goal Planner, ELSS Tax Saver, Inflation Adjusted, Retirement Readiness, and combined SIP & SWP tools as many times as you like, directly in your browser.
How accurate are the calculator results?
The results are estimates based on the return rate and assumptions you enter, using standard compounding formulas. Actual mutual fund returns vary year to year and are not guaranteed — mutual fund investments are subject to market risk. Treat the figures as planning guides, and use conservative return assumptions for important goals.
What return rate should I assume for equity mutual funds?
Over long horizons, diversified equity mutual funds in India have historically delivered roughly 10–12% annualised, though past performance never guarantees future returns. For short horizons or essential goals, it is safer to plan with a lower, more conservative rate. When in doubt, run the calculator at a few different rates to see the range of outcomes.
What is the difference between SIP and SWP?
A SIP (Systematic Investment Plan) invests a fixed amount every month to build wealth during your working years — the accumulation phase. An SWP (Systematic Withdrawal Plan) does the reverse: it withdraws a fixed amount every month from your corpus for regular income, typically in retirement — the decumulation phase. The combined SIP & SWP tool on this page simulates both phases end to end.