Retire when you want. Not when you're forced.
Enter your age, current expenses and portfolio. Vybe Money projects the inflation-adjusted corpus you'll need, the monthly SIP required to reach it, and the earliest age at which your projected corpus crosses your target.
Corpus = expenses × 25, inflated to your retirement year
The retirement corpus you actually need in the year you retire is your yearly expense today, grown at your expected inflation rate to that year, then multiplied by 25 (the classic safe-withdrawal multiplier). If you spend ₹1L a month today, plan to retire in 25 years and expect 6% inflation, you'll need about ₹1.3 Cr per year in retirement — implying a corpus of roughly ₹3.2 Cr in today's rupees, or ~₹13.7 Cr in future rupees.
Required monthly SIP
Once the target corpus is set, the required monthly SIP is derived from the standard SIP future-value formula solved for the payment. Vybe Money adjusts this for your existing corpus (which keeps compounding on its own) and your expected annual step-up. Most Indian professionals discover they need a lower SIP than they feared — as long as they start early and increase contributions with each raise.
Inflation is the silent tax
At 6% inflation, ₹1L today buys what only ₹31,000 will buy in 20 years. This is why every calculation in Vybe Money models inflation explicitly and shows numbers in both today's and future rupees. It's also why "safe" investments like FDs, whose post-tax returns often trail inflation, are dangerous for long horizons.
One planner, not seven
Retirement isn't a standalone number — it depends on your tax regime, your EPF/NPS contributions, your health-cover premium, and how much of your income actually reaches your investment account. Vybe Money's retirement planner reads all of these from the connected home dashboard so you plan with real numbers, not clean ones.