Retirement planner

The Second Innings Calculator

Not every expense lasts a lifetime. An EMI closes, school fees end, but food and healthcare do not. This tool tells you whether your corpus survives the difference and at what age.

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Second innings, in view
01

Basics

Your age, horizon and the corpus you’re starting with

Currency

Switching currency changes the symbol and number format only; amounts are not converted.

years
years

Used in “At a Target Age” planning. You can also select your current age to see your retirement outlook if you retire today.

years

All investments, excluding your home

What you invest while still earning

Leave at 0 unless it’s funded by something that survives retirement, such as rental income or dividends

02

Monthly expenses

Not every expense lasts forever — tell us which ones taper off

Scale to a total

Regular expenses

Rise with inflation every year, like most living costs

Fixed expenses (EMIs, etc.)

Stay flat — a loan EMI doesn’t rise with inflation

Total
03

One-time withdrawals

Weddings, a large purchase, higher education, drawn in their own year

Enter today’s value — it’s adjusted for inflation automatically up to the year you withdraw it.

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The years that follow the paycheck
04

Assumptions

Return and inflation rates behind the projection

Return while still accumulating (post-tax return)

More conservative, capital preservation phase (post-tax return)

Applied per category from today until it ends

Annual rise in the pre-retirement SIP, e.g. as income grows

A note on the numbers below: your corpus really does earn a return every year. But your expenses go up every year too, because of inflation. Early on, what your corpus earns is more than what your expenses go up by, so your corpus keeps growing. Later, once you're withdrawing a bigger slice of it each year, your expenses can start rising by more each year than your corpus does — so the corpus can shrink even while every year’s return is still positive. That’s expected, not a mistake. The Growth column in the year-by-year table below shows exactly when this starts happening.
How the calculation works
  • Annual returns are converted to an equivalent monthly rate and compounded monthly.
  • Before retirement, each month’s SIP goes in at the start of the month, then the balance grows. The SIP rises by the step-up % each year.
  • After retirement, each month’s expenses come out at the start of the month, then the balance grows. Regular expenses are inflated from today; fixed expenses stay flat.
  • A one-time withdrawal is taken at the start of its year, inflated from today’s value.
  • “Corpus needed at retirement” is the smallest corpus that never runs out through your life expectancy.
Planning mode
05

Corpus glide path

How your corpus grows, then draws down, over time

Building upDrawing downBalance shown at the start of each age
06

Year-by-year

Every age from today to life expectancy