Metodología

How we calculate your Retirement Target

Our calculator uses a detailed year-by-year simulation to project your wealth. Unlike simple multipliers (like the standard 25x rule), we calculate exact inflation-adjusted values for every year of your life until your specified life expectancy.

1. The Accumulation Phase (Pre-Retirement)

Every year before you retire, we take your starting corpus and add your annualized SIP (Monthly Investment × 12). We calculate returns based on your "Pre-Retire Return" assumption. We also apply your "Annual SIP Step-up" to increase your investment amount for the following year.

2. The Distribution Phase (Post-Retirement)

Once you hit your retirement age, you stop investing and begin withdrawing. Your withdrawal amount is your "Monthly Expenses" adjusted for inflation compounding every year since today.

3. Major Life Expenses

Any major life expenses you add (like Child Education or a Home Downpayment) are mapped to the specific age you provided. We inflate the cost of that expense at your specified inflation rate up until that age, and deduct it entirely from your corpus in that specific year.