Plan your retirement income
Enter your salary and what you invest each month — see the corpus at retirement and the monthly income it pays.
FREE · NO SUBSCRIPTION · NO UPFRONT FEEHow your money grows — and lasts
Building up until 60, then paying ₹1,56,249 a month (rising 6% a year) until 85.
What each investment becomes
| Investment | Monthly | Return | You put in | Value at 60 | Growth |
|---|---|---|---|---|---|
| Equity mutual fund (SIP) | ₹5,000 | 12% | ₹39.86 L | ₹2.34 Cr | 5.9× |
| Endowment / money-back policy | ₹2,000 | 5% | ₹15.95 L | ₹30.43 L | 1.9× |
| Fixed deposit | ₹1,000 | 6.75% | ₹7.97 L | ₹19.71 L | 2.5× |
| Recurring deposit | ₹1,000 | 6.5% | ₹7.97 L | ₹18.98 L | 2.4× |
| ULIP | ₹3,000 | 8% | ₹23.92 L | ₹71.84 L | 3× |
Low-return products: what you give up
Same monthly amount in an equity mutual fund at 12%.
Endowment / money-back policy · ₹2,000/month
Becomes ₹30.43 L here vs ₹93.52 L in an equity fund.
Fixed deposit · ₹1,000/month
Becomes ₹19.71 L here vs ₹46.76 L in an equity fund.
Recurring deposit · ₹1,000/month
Becomes ₹18.98 L here vs ₹46.76 L in an equity fund.
ULIP · ₹3,000/month
Becomes ₹71.84 L here vs ₹1.4 Cr in an equity fund.
Insurance-cum-investment plans mix two jobs. A pure term plan for cover plus an SIP usually leaves you with more — see insurance.
Suggested mix for you
By age 30 and moderate risk.
See the funds for this mix →Safety first
Before investing more, make sure these are in place.
| Emergency fund (6 months of expenses) | ₹1,50,000 |
| Term life cover needed | ₹70 L ≈ ₹630/month |
| Health cover (family floater) | ₹10 L ≈ ₹750/month |
Projections use the return you enter and are not guaranteed; markets go up and down. Educational guidance, not personalised investment advice.