Retirement Calculator with Step-Up SIP and FIRE number
How to use the Arthgyaan Retirement Calculator with Step-Up SIP and FIRE number?
You need to entire these numbers to use the calculator:
- Time Left To Retire: How many years is left between today and retirement start
- Monthly Expenses (in 2025 rupees) (₹): This is what you plan to spend in retirement in today’s money. This will automatically adjusted for inflation.
- Starting Lump Sum:: This is what you already have saved for retirement in assets like EPF, PPF, FD, NPS, Mutual Funds, Stocks etc. Enter their current value here.
The calculator will automatically calculate the SIP amount that you need. For retirement starting in 15 years, and if the investor already has around ₹30 lakhs saved, the SIP amount will be ₹99,986.00
Monthly SIP (₹):
Required Monthly SIP (₹):
Total Investment (₹):
Target Value (₹):
Inflation-Adjusted Value (₹):
Also try out our Monte Carlo simulation-based FIRE calculator.
If you are looking to understand how to best manage your mutual fund portfolio, you can get a free Mutual fund portfolio review.
What other features does the Retirement Calculator with Step-Up SIP and FIRE number have?
Other optional fields that you can set:
Lifetime Real returns of the Portfolio
Real Returns in Retirement (%): For a portfolio lasting multiple decades, it is a reasonable assumption that the total returns will be very close to inflation i.e. zero real returns. To learn more in this concept read this: How much returns should you expect from your retirement portfolio?
Step-up SIP investment to create more wealth
Annual Step-Up (%):: If you step-up your SIP amount along with salary / income hikes, then you will create a larger corpus: What is a step-up SIP and how much more wealth does it create vs. a normal SIP?
Inflation adjustment to take care of rising prices
Inflation is an important input to goal-planning in an economy where prices are rising overall. We can use the rule of 72 as a convenient mental shortcut to understanding the impact of inflation: Inflation: the impact on your goals and how to choose assets that beat it
The rule says: Rate of doubling of prices * Time in years = 72
Rule of 72 lets us quickly calculate the impact of inflation over time. Using the rule, we can see that
- the purchasing power of money halves every ten years at 7% inflation. For example, one crore worth today will be worth 50 lakhs in 10 years and 25 lakhs in 20 years
- a lump sum payout, say from an insurance plan, is worth around four times less in today’s money if received in 20 years
- if you need one lakh/month in living costs in the first year of retirement, that will be two lakhs/month in ten years and four lakhs/month in twenty years
Which are the best investments for create a SIP for retirement?
Using the Choose a method for returns input option, the calculator lets you assume a fixed average return over time for your entire corpus or past market returns for various mutual funds.
To know which are the best mutual funds for your retirement portfolio, start with our free Mutual Fund Portfolio review.
Here is the latest data regarding mutual fund returns that will give you an estimate of what to expect based on past returns.
Equity Mutual Fund Returns
| Category | Any 1Y SIP | Any 2Y SIP | Any 3Y SIP | Any 5Y SIP | Any 7Y SIP | Any 10Y SIP |
|---|---|---|---|---|---|---|
| Equity: Large Mid Cap | 14.32% | 11.42% | 17.39% | 17.35% | 18.33% | 16.64% |
| Equity: Sectoral or Thematic | 12.6% | 11.73% | 16.98% | 16.41% | 17.39% | 16.13% |
| Equity: Flexi Cap | 12.87% | 10.73% | 15.23% | 15.78% | 16.46% | 15.82% |
| Equity: ELSS | 13.71% | 10.43% | 16.07% | 16.0% | 17.03% | 16.06% |
| Equity: Large Cap | 13.73% | 11.11% | 14.37% | 14.09% | 14.69% | 14.22% |
| Equity: Value | 13.66% | 11.51% | 17.56% | 16.47% | 17.04% | 15.96% |
| Equity: Mid Cap | 16.32% | 12.9% | 19.73% | 19.88% | 21.81% | 19.09% |
| Equity: Multi Cap | 14.19% | 12.06% | 17.37% | 17.9% | 18.35% | 16.44% |
| Equity: Contra | 16.65% | 12.43% | 18.23% | 18.71% | 20.74% | 19.01% |
| Equity: Dividend Yield | 12.87% | 10.0% | 15.14% | 16.66% | 17.67% | 16.04% |
| Equity: Focused | 13.7% | 11.0% | 15.69% | 15.26% | 15.85% | 15.27% |
| Equity: Index | 11.73% | 9.06% | 15.41% | 14.76% | 15.01% | 13.87% |
| Category | Any 1Y SIP | Any 2Y 目↑ SIP | Any 3Y 目↑ SIP | Any 5Y 目↑ SIP | Any 7Y 目↑ SIP | Any 10Y 目↑ SIP |
|---|---|---|---|---|---|---|
| Equity: Large Mid Cap | 14.32% | 10.52% | 16.52% | 17.49% | 19.2% | 17.42% |
| Equity: Sectoral or Thematic | 12.6% | 10.69% | 16.12% | 17.17% | 19.05% | 17.15% |
| Equity: Flexi Cap | 12.87% | 9.54% | 14.62% | 15.62% | 17.26% | 16.36% |
| Equity: ELSS | 13.71% | 10.22% | 15.53% | 16.02% | 17.82% | 16.56% |
| Equity: Large Cap | 13.73% | 10.0% | 14.33% | 14.62% | 15.98% | 15.12% |
| Equity: Value | 13.66% | 9.48% | 16.32% | 17.63% | 19.35% | 17.11% |
| Equity: Mid Cap | 16.32% | 11.65% | 18.4% | 19.62% | 22.22% | 19.55% |
| Equity: Multi Cap | 14.19% | 10.39% | 15.9% | 17.12% | 20.07% | 18.09% |
| Equity: Contra | 16.65% | 10.79% | 17.71% | 19.6% | 21.73% | 19.67% |
| Equity: Dividend Yield | 12.87% | 9.19% | 15.5% | 18.37% | 20.48% | 18.04% |
| Equity: Focused | 13.7% | 9.93% | 15.06% | 15.82% | 17.54% | 16.24% |
| Equity: Index | 11.73% | 9.07% | 14.77% | 14.36% | 14.96% | 14.18% |
| Category | Any 1Y | Any 2Y | Any 3Y | Any 5Y | Any 7Y | Any 10Y |
|---|---|---|---|---|---|---|
| Equity: Large Mid Cap | 10.37% | 16.32% | 18.98% | 18.37% | 17.37% | 15.9% |
| Equity: Sectoral or Thematic | 8.95% | 16.84% | 18.1% | 16.85% | 16.26% | 15.24% |
| Equity: Flexi Cap | 10.19% | 14.86% | 16.36% | 15.77% | 15.78% | 15.22% |
| Equity: ELSS | 10.9% | 15.09% | 16.82% | 16.77% | 16.19% | 15.51% |
| Equity: Large Cap | 10.52% | 14.21% | 14.52% | 14.3% | 14.01% | 14.2% |
| Equity: Value | 10.26% | 15.8% | 18.05% | 16.32% | 15.5% | 15.31% |
| Equity: Mid Cap | 13.65% | 19.25% | 22.03% | 20.79% | 20.04% | 17.83% |
| Equity: Multi Cap | 10.53% | 17.78% | 18.86% | 17.88% | 16.71% | 16.2% |
| Equity: Contra | 13.97% | 17.1% | 18.91% | 19.79% | 19.48% | 18.21% |
| Equity: Dividend Yield | 10.06% | 15.62% | 17.36% | 18.83% | 15.78% | 15.27% |
| Equity: Focused | 10.64% | 14.77% | 17.17% | 16.59% | 15.26% | 15.34% |
| Equity: Index | 6.57% | 15.02% | 16.99% | 15.59% | 13.92% | 13.53% |
Debt Mutual Fund Returns
| Category | Any 1Y SIP | Any 2Y SIP | Any 3Y SIP | Any 5Y SIP | Any 7Y SIP | Any 10Y SIP |
|---|---|---|---|---|---|---|
| Debt: Medium To Long Duration | 6.72% | 6.41% | 7.42% | 6.95% | 6.73% | 6.89% |
| Debt: Liquid | 6.5% | 6.51% | 6.49% | 6.13% | 5.87% | 5.97% |
| Debt: Gilt | 7.24% | 6.55% | 7.46% | 7.24% | 7.01% | 7.17% |
| Debt: Medium Duration | 8.12% | 7.95% | 7.83% | 6.69% | 6.44% | 7.26% |
| Debt: Money Market | 7.19% | 7.22% | 7.21% | 6.96% | 6.55% | 6.55% |
| Debt: Long Duration | 7.04% | 7.37% | 7.49% | 7.65% | 7.52% | 7.41% |
| Debt: Dynamic Bond | 7.06% | 7.05% | 7.54% | 7.21% | 6.92% | 7.2% |
| Debt: Low Duration | 7.64% | 7.93% | 7.73% | 7.12% | 6.93% | 6.8% |
| Debt: Corporate Bond | 7.46% | 7.75% | 7.54% | 7.3% | 7.28% | 7.35% |
| Debt: Ultra Short Duration | 6.78% | 6.59% | 6.7% | 6.7% | 6.46% | 6.37% |
| Debt: Banking And PSU | 7.5% | 7.67% | 7.72% | 7.11% | 7.1% | 7.14% |
| Debt: Overnight | 5.34% | 5.76% | 5.93% | 5.93% | 5.47% | 5.38% |
| Debt: Gilt Fund With 10 Year Constant Duration | 8.49% | 8.22% | 8.2% | 8.78% | 7.89% | 7.56% |
| Debt: Floater | 6.99% | 7.61% | 7.91% | 7.38% | 7.33% | 7.38% |
| Debt: Short Duration | 7.78% | 7.8% | 7.7% | 7.28% | 6.89% | 7.18% |
| Debt: Credit Risk | 8.59% | 9.45% | 8.89% | 8.16% | 7.74% | 7.52% |
| Debt: Index | 8.13% | 8.34% | 7.86% | 0% | 0% | 0% |
| Category | Any 1Y SIP | Any 2Y 目↑ SIP | Any 3Y 目↑ SIP | Any 5Y 目↑ SIP | Any 7Y 目↑ SIP | Any 10Y 目↑ SIP |
|---|---|---|---|---|---|---|
| Debt: Medium To Long Duration | 6.72% | 6.08% | 6.79% | 6.88% | 6.88% | 6.9% |
| Debt: Liquid | 6.5% | 6.56% | 6.68% | 6.48% | 6.07% | 6.03% |
| Debt: Gilt | 7.24% | 5.6% | 6.33% | 6.49% | 6.52% | 6.87% |
| Debt: Medium Duration | 8.12% | 8.48% | 8.28% | 7.71% | 7.39% | 7.4% |
| Debt: Money Market | 7.19% | 7.36% | 7.47% | 7.02% | 6.65% | 6.63% |
| Debt: Long Duration | 7.04% | 6.9% | 6.83% | 6.72% | 6.64% | 6.9% |
| Debt: Dynamic Bond | 7.06% | 6.79% | 7.21% | 7.03% | 6.97% | 7.14% |
| Debt: Low Duration | 7.64% | 8.08% | 7.97% | 7.33% | 7.05% | 6.86% |
| Debt: Corporate Bond | 7.46% | 8.11% | 8.08% | 7.35% | 7.2% | 7.36% |
| Debt: Ultra Short Duration | 6.78% | 7.31% | 7.33% | 6.94% | 6.68% | 6.43% |
| Debt: Banking And PSU | 7.5% | 7.83% | 7.81% | 7.22% | 7.09% | 7.18% |
| Debt: Overnight | 5.34% | 6.0% | 6.16% | 5.96% | 5.53% | 5.42% |
| Debt: Gilt Fund With 10 Year Constant Duration | 8.49% | 7.43% | 7.86% | 7.14% | 6.93% | 7.35% |
| Debt: Floater | 6.99% | 8.15% | 8.21% | 7.59% | 7.38% | 7.46% |
| Debt: Short Duration | 7.78% | 8.02% | 7.95% | 7.46% | 7.27% | 7.29% |
| Debt: Credit Risk | 8.59% | 10.31% | 10.08% | 9.01% | 8.47% | 8.02% |
| Debt: Index | 8.13% | 8.36% | 7.83% | 0% | 0% | 0% |
| Category | Any 1Y | Any 2Y | Any 3Y | Any 5Y | Any 7Y | Any 10Y |
|---|---|---|---|---|---|---|
| Debt: Medium To Long Duration | 7.41% | 7.64% | 7.45% | 6.44% | 7.11% | 7.19% |
| Debt: Liquid | 6.65% | 6.7% | 6.47% | 5.78% | 5.78% | 6.28% |
| Debt: Gilt | 7.33% | 7.76% | 7.79% | 7.47% | 7.79% | 7.86% |
| Debt: Medium Duration | 8.02% | 8.17% | 7.81% | 6.69% | 6.96% | 7.52% |
| Debt: Money Market | 7.35% | 7.4% | 7.24% | 6.46% | 6.7% | 6.9% |
| Debt: Long Duration | 7.67% | 8.71% | 8.24% | 7.36% | 8.33% | 7.95% |
| Debt: Dynamic Bond | 7.3% | 7.97% | 7.84% | 6.97% | 7.4% | 7.69% |
| Debt: Low Duration | 7.77% | 8.09% | 7.6% | 6.79% | 6.87% | 7.1% |
| Debt: Corporate Bond | 7.87% | 8.13% | 7.68% | 7.14% | 7.66% | 7.81% |
| Debt: Ultra Short Duration | 6.89% | 6.64% | 6.68% | 6.3% | 6.5% | 6.64% |
| Debt: Banking And PSU | 7.73% | 7.94% | 7.71% | 6.88% | 7.55% | 7.53% |
| Debt: Overnight | 5.48% | 5.87% | 5.81% | 5.28% | 5.17% | 5.61% |
| Debt: Gilt Fund With 10 Year Constant Duration | 8.66% | 8.95% | 9.01% | 8.97% | 8.64% | 8.38% |
| Debt: Floater | 7.09% | 7.57% | 7.81% | 6.89% | 7.45% | 7.58% |
| Debt: Short Duration | 7.95% | 7.89% | 7.77% | 7.04% | 7.32% | 7.57% |
| Debt: Credit Risk | 8.72% | 9.37% | 8.73% | 7.99% | 7.2% | 7.62% |
| Debt: Index | 8.22% | 8.55% | 7.84% | 0% | 0% | 0% |
Hybrid Mutual Fund Returns
| Category | Any 1Y SIP | Any 2Y SIP | Any 3Y SIP | Any 5Y SIP | Any 7Y SIP | Any 10Y SIP |
|---|---|---|---|---|---|---|
| Hybrid: Aggressive | 12.08% | 10.31% | 14.37% | 14.57% | 15.07% | 14.16% |
| Hybrid: Conservative | 8.63% | 8.06% | 9.17% | 8.71% | 8.91% | 8.61% |
| Hybrid: Equity Savings | 9.7% | 8.91% | 10.08% | 9.82% | 10.1% | 9.46% |
| Hybrid: Arbitrage | 6.46% | 6.71% | 6.58% | 6.36% | 6.23% | 6.29% |
| Hybrid: Balanced | 8.83% | 10.83% | 0% | 0% | 0% | 0% |
| Category | Any 1Y SIP | Any 2Y 目↑ SIP | Any 3Y 目↑ SIP | Any 5Y 目↑ SIP | Any 7Y 目↑ SIP | Any 10Y 目↑ SIP |
|---|---|---|---|---|---|---|
| Hybrid: Aggressive | 12.08% | 9.79% | 13.69% | 14.34% | 15.55% | 14.64% |
| Hybrid: Conservative | 8.63% | 7.63% | 8.98% | 8.88% | 9.15% | 8.78% |
| Hybrid: Equity Savings | 9.7% | 8.71% | 10.21% | 9.91% | 10.28% | 9.55% |
| Hybrid: Arbitrage | 6.46% | 7.04% | 7.3% | 6.97% | 6.61% | 6.48% |
| Hybrid: Balanced | 8.83% | 10.82% | 0% | 0% | 0% | 0% |
| Category | Any 1Y | Any 2Y | Any 3Y | Any 5Y | Any 7Y | Any 10Y |
|---|---|---|---|---|---|---|
| Hybrid: Aggressive | 9.79% | 13.69% | 14.65% | 14.43% | 14.07% | 13.72% |
| Hybrid: Conservative | 8.06% | 9.45% | 9.46% | 8.82% | 8.73% | 8.63% |
| Hybrid: Equity Savings | 8.59% | 10.29% | 10.38% | 9.9% | 9.69% | 9.15% |
| Hybrid: Arbitrage | 6.57% | 7.01% | 6.5% | 6.04% | 6.11% | 6.41% |
| Hybrid: Balanced | 9.88% | 14.89% | 0% | 0% | 0% | 0% |
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This post titled Retirement Calculator with Step-Up SIP and FIRE number first appeared on 27 Dec 2025 at https://arthgyaan.com
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