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Retirement by Target Calculator

Calculate monthly savings required to hit your target retirement corpus goal.

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Target Goal Breakdown

Inflation Adjusted Target
₹5,74,34,912
Future Savings Growth
₹70,90,000
Years to Accumulate
30 Years
Monthly SIP Needed
₹14,242
Accumulation Projection Chart

Understanding Target-Based Retirement Planning

Target-based retirement planning begins with a specific target corpus goal in today's money, adjusts it for inflation over your remaining working career, factors in your existing savings, and determines the exact monthly SIP investment required to bridge the remaining financial gap.

Target Calculation Steps

  • Step 1: Inflation Adjustment: Target Corpus at Retirement = Target Today × (1 + Inflation Rate)^Years
  • Step 2: Compounding Existing Savings: Existing Corpus Growth = Current Savings × (1 + Return Rate)^Years
  • Step 3: Remaining Deficit: Net Target Deficit = Inflation-Adjusted Target - Existing Corpus Growth
  • Step 4: Monthly SIP Required: SIP = [Deficit × i] / [(1 + i)^n - 1]
Calculator Disclaimer — One Source Financial Services (ARN: 48230)

This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.