Investment Guide
Goal Planner Guide — How to Plan Retirement & Education Fund India
🎯 Plan Your Financial Goals
Retirement, education and custom goal planner with SIP calculator.
Open Goal Planner →How Much Do You Need to Retire Comfortably?
The 25x rule: You need 25 times your annual expenses as retirement corpus (for 4% withdrawal rate). But India's higher inflation (6% vs 2% in US) means you need closer to 30-35x annual expenses.
Monthly expenses today: Rs.50,000
Annual expenses: Rs.6,00,000
At 6% inflation, age 30→60 retirement: Expenses become Rs.34.5L/year
Corpus needed: ~Rs.5.2 crore (to last till age 85)
Child Education Fund — How Much and When to Start
| Goal | Current Cost | In 18 Years (10% infl.) | Monthly SIP needed |
|---|---|---|---|
| IIT B.Tech | Rs.8-12L | Rs.45-68L | Rs.5,500-8,300/mo |
| MBBS (private) | Rs.50-80L | Rs.2.8-4.5 crore | Rs.34K-55K/mo |
| MBA (top) | Rs.20-25L | Rs.1.1-1.4 crore | Rs.13K-17K/mo |
| Study Abroad (US) | Rs.1-1.5 crore | Rs.5.6-8.4 crore | Rs.68K-1L/mo |
Best Strategy — Rule of Three Buckets
- Safety bucket: 3-6 months expenses in FD/liquid fund
- Goals bucket: SIP in equity for 5-10+ year goals
- Legacy bucket: Term insurance + investments for family protection
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