Tell us two numbers. See the next forty years: the corpus you need, the SIP that gets you there, and the wealth you still leave behind.
Your expenses never stand still. At 7% inflation, the same life costs more every single year.
The corpus is sized so its returns cover your monthly spend and still leave a surplus that stays invested, keeping the capital ahead of inflation. On the day you stop working, not one rupee of capital is touched. Returns assumed at 12%.
Your existing lump sum compounds on its own at 12%. The SIP only has to fill whatever gap is left.
From the day your corpus is ready, this is exactly how it behaves: each year it earns a return on the full balance, you withdraw your monthly spend, and the surplus stays invested.
| Year | Opening corpus | Return earned @ 12% | Monthly withdrawal | Withdrawn in year | Closing corpus |
|---|