RETIREMENT & PENSION PLANNING

Your retirement. Your plan.
One clear starting point.

See how your monthly investments could support the life you want after work.

01 About you
Only include money allocated to retirement.

25 years until retirement

02 Your investment plan
A SIP is an amount you invest regularly each month.
₹10,000 per month with a 10% annual increase becomes ₹11,000 in year two.
Contributions can stop before retirement; savings remain invested.
An assumption to explore, not an assured return.
03 Your retirement income
We adjust today’s amount for inflation until pension starts.
Adjust assumptions
Applied only when pension is entered in today’s money.
Withdrawals rise after every 12 payments, starting with payment 13.
Also applies during any waiting period after retirement.
Deferment period. Living costs during this wait are not funded here.

YOUR PLAN AT A GLANCE

Discuss your retirement plan ↗

Illustration only. Actual returns, rising costs and a longer retirement can change the outcome.

    Your fund, from investing to withdrawals

    Based on your planned SIP and annual increases—not the estimated SIP needed.

    ━ Fund balance · Amounts shown in future rupees · Exact annual figures below

    View your annual breakdown
    Each row covers one year from your current age; ages are shown at year-end.
    AgeMonthly SIPAnnual contributionsPlanned withdrawalsActual withdrawalsClosing balance
    How this illustration is calculated

    Annual return assumptions are converted to effective monthly rates. SIPs are invested at the start of each month and increase after every 12 contributions. Contributions stop after your investment tenure. Savings continue to grow at the pre-retirement rate until retirement, then at the post-retirement rate, including any deferment.

    Pension is a planned withdrawal, not a guaranteed pension product or annuity. The first withdrawal is at the end of the first month after pension-start age. Withdrawals increase after every 12 payments. A pension entered in today’s money is inflated only until pension starts; the separate withdrawal increase applies thereafter.

    The target fund is the present value of planned withdrawals through your chosen end age, assuming no legacy reserve. Required starting SIP uses your selected annual SIP increase and existing savings. Your projected fund, chart and table use your entered SIP. Withdrawals stop at exhaustion and may include a partial final payment.

    Returns are assumed constant. Figures are nominal and exclude taxes, fees and exit loads. Real markets fluctuate; longer life and unexpected costs may create a shortfall. Living expenses during deferment are not funded by this illustration. Inputs are not investment recommendations.

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