About Unbound SIP v2

The methodology behind the retirement blueprint.

Unbound SIP v2 combines financial math, lifecycle planning, and a more guided user experience so retirement conversations become clearer and easier to act on.

What changed in v2

The product now supports repeatable retirement planning, not just one-time calculations.

Saved scenarios for SIP, SWP, and lifecycle planning

Shareable calculator links that reopen the same assumptions

Age-based retirement planning with current age, retirement age, life expectancy, and expenses today

A redesigned planner interface with calmer colors and stronger hierarchy

Mathematical Foundation

Three layers of retirement logic.

Each calculator has a distinct purpose, and the combined planner ties them together into a more practical retirement story.

SIP accumulation

Monthly investments are compounded using a monthly growth model with support for annual step-up contributions and inflation-aware reporting.

FV = P x [((1 + r)^n - 1) / r] x (1 + r)

SWP withdrawals

The withdrawal phase models corpus growth first and payout second, which better reflects how systematic withdrawals behave over time.

New Corpus = Current Corpus x (1 + Monthly Rate) - Withdrawal

Combined lifecycle planning

The combined planner connects accumulation, retirement income, inflation, and retirement horizon into a single narrative model.

Required SIP is linked to the retirement income target and planning horizon

Next Step

Use the live calculator to explore the v2 planning flow.

Open the calculator to test saved scenarios, shareable plans, and age-based retirement modeling in the new interface.

Start Calculating