Goal Calculator

Plan with precision.
Not guesswork.

We surface lifestyle inflation, LTCG tax drag, and your real corpus in today's rupees — the three numbers most calculators hide.

Explore SIP →

Required SIP

₹1.5 L

starting amount

Corpus needed

₹27.97 Cr

Real corpus today

₹6 Cr

CPI-adjusted

SIP updates to meet your goal

Your goal

₹/mo

in today's money — inflated forward

years
years
₹

SIP

%/yr

Returns & inflation

%

includes CPI + your lifestyle delta

%
≤15% realistic16–19% optimistic20%+ aggressive
%
%

debt+equity blend at retirement

Goal reached. Surplus ₹384 above required corpus. Safety margin: 4.0%.

Required SIP

₹1.5 L

Corpus needed

₹27.97 Cr

Lump sum needed

₹2.9 Cr

Post-tax projected

₹27.97 Cr

Tax drag

−₹2.49 Cr

Your plan — in plain English

To receive ₹1.0 L/mo in today's money 20 years from now, you need a corpus of ₹27.97 Cr. Start an SIP of ₹1.5 L/mo step it up 10% every year — your SIP grows to ₹9.4 L/mo by year 20. At 12% XIRR (realistic), you reach your goal.

Milestone tracker — when do you hit each crore?

MilestoneYearPost-tax value (today's ₹ below)
₹1 CrYear 4₹1.06 Crtoday's ₹: ₹77.6 L
₹2 CrYear 7₹2.51 Crtoday's ₹: ₹1.46 Cr
₹4 CrYear 10₹4.89 Crtoday's ₹: ₹2.26 Cr
₹8 CrYear 13₹8.69 Crtoday's ₹: ₹3.2 Cr
₹10 CrYear 14₹10.39 Crtoday's ₹: ₹3.54 Cr

Goal Calculator — Plan Your Retirement Corpus

This calculator uses two retirement models and returns the more conservative result. The Bengen perpetuity model (Bengen 1994) divides your annual income need by the withdrawal rate — a ₹1L/month target at 4% WR requires ₹3 crore. The inflation-growing annuity model discounts a series of rising cashflows at the drawdown return rate — this dominates when inflation approaches portfolio returns. LTCG is computed using the 12.5% post-Budget 2024 rate with a ₹1,25,000 annual exemption (Income Tax Act Section 112A).

+How much corpus do I need to retire in India?

The Bengen 4% rule (Bengen 1994) is a useful starting point: annual income ÷ 4% = corpus. For ₹1,00,000/month in today's money, that's ₹3 crore. But Indian CPI historically runs 5-7% (RBI data 2015-2024), so our calculator also models an inflation-growing annuity and takes the higher result — giving a more conservative target suited to Indian conditions.

+What is lifestyle inflation and how does the calculator handle it?

Lifestyle inflation is a single combined input representing CPI plus any upward drift in your standard of living. If you enter 8%, your monthly expense of ₹1,00,000 today becomes ₹2,15,892 in 10 years and ₹4,66,096 in 20 years. The calculator compounds this rate to find your future income need, then sizes the corpus accordingly — so your projection stays realistic rather than locked at today's spending.

+How does LTCG tax drag reduce my actual corpus?

Under Finance Act 2024, equity mutual fund gains held >12 months are taxed at 12.5% on the portion above ₹1,25,000 per year. On a ₹2 crore equity corpus built over 20 years with ₹80L in net gains, tax drag can be ₹8-10 lakhs — roughly 4-5% of total corpus. Enable the LTCG toggle to see your post-tax corpus and understand the true impact before you plan withdrawals.

+What does the "Real corpus in today's rupees" stat show?

The real corpus deflates your projected post-tax lump sum back to today's purchasing power at your chosen inflation rate. A ₹3 crore corpus 20 years from now at 7% inflation is worth only ₹77 lakhs in today's terms. This is the number that matters for planning: it tells you whether your future wealth will actually buy what you think it will.