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Quantify your retirement savings shortfall and plan to close it systematically
Retirement Savings Gap
Monthly SIP to Bridge Gap
Projected Corpus at Retirement
The retirement gap is perhaps the most sobering metric in financial planning: the difference between the corpus you need and what you'll actually have at retirement. For many Indian professionals, this gap is substantial and non-negotiable, demanding urgent corrective action. This calculator projects your current savings forward (at assumed returns) and compares to your target corpus, revealing the exact shortfall. For example, a 35-year-old with ₹25 lakh saved, targeting ₹1 crore corpus by 60, with 10% expected returns, will have ₹1.36 crore at retirement—no gap. However, if their target is ₹2 crore, the gap is ₹64 lakh, requiring ₹35,000/month SIP. The calculator then presents three critical options to bridge this gap: (1) increase monthly savings, (2) extend retirement timeline (often the most powerful lever), or (3) reduce target lifestyle expenses. Most Indians face some retirement gap; acknowledging it early and taking corrective action is the difference between retirement anxiety and confidence.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.