BM Wealth•BM Wealth Calculator•ARN 90008 | IRDAI 277925Retirement Gap Stress Test
Do you have enough to retire? See the math.
BM Wealth | ARN 90008 | Educational mathematical projection. Not investment advice.
Enter your current age, retirement age, monthly expenses today, and current savings. The tool inflates your expenses to retirement and estimates the corpus needed using the 25× rule.
- If the tool shows a gap, treat the suggested SIP as a target to review with your asset allocation.
- Keep inflation and return assumptions realistic for your situation (even small changes materially shift the gap).
- Use the results to decide timing (start now vs later), not to predict markets.
Example: Age 30 retire at 60, expenses ₹1,00,000/mo, savings ₹50,00,000. Click Calculate to see corpus needed and monthly SIP to close the gap.
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Retirement Gap — Understanding Your Financial Readiness
The retirement gap is the difference between the corpus you need to maintain your lifestyle after retirement and the corpus your current savings will generate. This calculator uses the widely-accepted 25× rule, which assumes a 4% safe withdrawal rate — meaning your retirement corpus should be 25 times your annual expenses at retirement.
Inflation is the silent eroder. Monthly expenses of ₹1 lakh today could become ₹5.7 lakh in 30 years at 6% inflation. Without accounting for this, most retirement plans fall dramatically short. This calculator adjusts all projections for inflation, giving you a realistic picture of what retirement actually costs.
How to Use the Output
If you see a gap, the calculator shows exactly how much monthly SIP is needed to close it. The earlier you start, the smaller the monthly commitment. Use this as a conversation starter with your financial advisor and build a plan around the numbers.
Educational content only — not investment advice. Market-linked outcomes can fluctuate • AMFI ARN 90008