short at age 60 · need ₹6.47 Cr, projecting ₹4.55 Cr
The two numbers
needed at age 60 · sustains ₹2,57,512/mo for 25 years, growing with 6% inflation
what your plan builds · ₹10.0 L today + ₹25,000/mo at 10% return
To fully close the ₹1.91 Cr shortfall by age 60, you need to increase your monthly SIP by roughly ₹14,433 — from ₹25,000 to ₹39,433.
Corpus over time
Explained
The “needed” number uses a growing-annuity present value: your target monthly income steps up with inflation every year through retirement, and the corpus keeps earning at your assumed retirement return. The “projected” number is what your existing savings + monthly SIP compound to at your accumulation return.
Both numbers are illustrative — real portfolios don't compound at a single flat return, and expenses in retirement rarely track headline CPI exactly. Use this to see the SHAPE of the gap, not to plan to the last rupee.