# Retirement Planner (Branded)

> Calculate the retirement corpus a client needs and the monthly SIP to reach it, then share a branded WhatsApp card with your name, registration number and disclaimer.

Show your client how much they need for retirement and how much to invest each month, on a **branded card** with your details and the right disclaimer.

Use the free tool here: https://saraltools.in/agent-retirement-planner/

## How the retirement plan works

1. Today's monthly expenses are grown with inflation until the retirement age.
2. The **corpus** must pay those expenses every year of retirement while they keep rising, earning a safer post-retirement return.
3. Existing savings grow until retirement and reduce the gap.
4. The **monthly SIP** fills the gap by retirement.

## Example

A 35-year-old spending ₹50,000 a month today will need about ₹2.15 lakh a month at 60 with 6% inflation. To fund that until 85 at a 7% post-retirement return needs a corpus of about ₹5.8 crore. That is why starting early matters: every five-year delay raises the monthly SIP sharply.

## Tips for the client conversation

- Show the expense at retirement first. Most people are surprised by what inflation does.
- Offer a step-up option: start smaller and raise the SIP each year. Try it in the [SIP goal planner](https://saraltools.in/agent-sip-goal-planner/).
- Cover protection too: a retirement plan fails if the earner is not insured. Use the [life cover calculator](https://saraltools.in/agent-life-insurance-need/).

## Frequently asked questions

### How is the retirement corpus calculated?

Monthly expenses today are grown with inflation until retirement. The corpus is the amount that, earning the post-retirement return, can pay those expenses (still rising with inflation) every year until the life expectancy you enter.

### What life expectancy should I use?

Use at least 85, and 90 for healthy clients. Running out of money is a bigger risk than leaving some behind.

### Why are there two return rates?

Before retirement money can be in growth assets like equity funds. After retirement it usually moves to safer, lower-return options, so the post-retirement return is lower.

### Does it include EPF or pension?

Enter EPF, PPF and other savings in 'Already saved'. If the client will get a pension, reduce the monthly expense by the pension amount.

## Related tools

- [SIP Goal Planner (Branded for Your Clients)](https://saraltools.in/agent-sip-goal-planner/): Child education, marriage or house goal → SIP needed, as a branded WhatsApp card.
- [Life Insurance Need Calculator](https://saraltools.in/agent-life-insurance-need/): How much life cover a family needs, as a branded card for agents.
- [Daily Post Maker for Agents](https://saraltools.in/agent-daily-post-maker/): Daily tips and festival greetings with your photo, name and number.
- [Property Post Maker](https://saraltools.in/agent-property-post-maker/): Flat, house, plot or shop listing card with photo and your RERA number.

Last updated: 2026-11-01

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SaralTools (https://saraltools.in/): Free Indian calculators, document makers and photo tools. Contact: help@saraltools.in. Results are estimates, not tax, legal or financial advice.