Retirement planning links today’s savings rate to a future corpus you may need when earned income stops or reduces.
Start with the horizon
Estimate years until retirement and years in retirement. Longer horizons usually support higher equity allocations in educational scenarios, while near-term goals often need more conservative assumptions.
Use the calculator as a sketch
Run SIP scenarios for your working years, then adjust return and inflation assumptions. Replace illustrative rates with numbers that match your risk comfort and product mix.