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Retirement Readiness Calculator

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Retirement Investment Growth Calculator

Retirement Readiness Calculator

Your Financial Profile

Personal Information
Current Age: Planned Retirement Age: Life Expectancy:
Retirement Fund Projections
Retirement Goal: Expected Annual Inflation (%): Expected Avg. Portfolio Return (%):
Current Financial Status
Current Monthly Expenditure: Current Emergency Fund: Current Term Plan Assurance:
Investment Details
Number of Asset Classes:

Asset Classes

For more than 3 asset classes, enter the number and click 'Add Asset Classes.' Edit asset details below

Asset Class Name Initial Balance Regular Deposit Expected Annual Return (%) Deposit Frequency (per year) Deposit Term (Years)

After updating the required input values, click the calculate button.

Retirement Countdown

Time left until retirement: 20 Years

Retirement Savings Progress

Indicates if your retirement goal amount will be achieved by your retirement age.

0.00%

0.00% of goal will be achieved

Check Before You Start Investing

Secure your finances first: Emergency Fund, Term Plan, Health Insurance - Key essentials

Check Amount General Thumb Rule
Current Emergency Fund ₹3,00,000 Minimum 6 to 10 Months of Expense
Current Term Plan Coverage ₹1,00,00,000 Minimum 8 to 12 times of your Annual Income

Get adequate health insurance; explore super top-ups for extra protection.

Retirement Corpus Growth Over the Years

Income ends at retirement, but expenses don’t. Want financial freedom? Start early, increase your investment regularly, stay invested!

Retirement Summary

3 Mantras to Remember: Allocate wisely, Diversify broadly, Rebalance regularly.

Asset Class Retirement Age Initial Balance Invested Amount Interest Earned Total
Equity60₹15,00,000₹42,00,000₹1,94,76,878₹2,36,76,878
Fixed Income60₹10,00,000₹14,80,000₹45,59,741₹60,39,741
Gold60₹5,00,000₹5,90,000₹12,11,672₹18,01,672
Total Portfolio60₹30,00,000₹62,70,000₹2,52,48,292₹3,15,18,292

Asset Allocation Status

Thumb Rule: 100 - Age = Equity Exposure. Reduce equity exposure as you near retirement.

Current Age

Equity Fixed Income Gold

Retirement Age

Equity Fixed Income Gold

Portfolio Growth Over Time

View your retirement corpus at different stages and evaluate early retirement options.

Age EquityFixed IncomeGoldTotal Portfolio
40₹18,64,800₹11,14,560₹5,36,360₹35,15,720
44₹37,71,902₹16,72,078₹7,04,965₹61,48,944
48₹66,67,017₹24,30,575₹9,17,824₹1,00,15,416
52₹1,10,62,005₹34,62,501₹11,86,555₹1,57,11,061
56₹1,73,12,329₹47,94,541₹15,12,719₹2,36,19,589

Retirement Expense Analysis

Compare first-month retirement expenses with corpus returns—watch out for rising costs and potential return decline

Age of Retirement Expected Expense per Month Interest Amount from Portfolio Portfolio is Sufficient
60₹1,92,428₹2,66,311Yes(Only first year after retirement is considered)

Retirement Readiness

Minimum 35 times annual expense for a comfortable retirement; 4% withdrawal rule ensures longevity of your corpus.

Amount Comment
Retirement Age 60
Corpus Available at Retirement ₹3,15,18,292 More Than Retirement Goal Amount
Expected Annual Expense ₹23,09,138 Portfolio estimated return is greater than this amount
Available Corpus is No of Times Annual Expense 13.65 Your Retirement Corpus may not be sufficient
4% of the Total Portfolio Value ₹12,60,732 Less than Expected Annual Expense

Retirement Age Sensitivity Analysis

Evaluate the monthly and annual savings required to retire at different ages with 35X of your annual expenses at the time of retirement, Expected average portfolio return (% p.a.) is assumed

Retirement Age Required Monthly Savings Required Annual Savings Corpus at Retirement
44₹5,05,025₹60,60,297₹3,18,14,419
48₹2,73,095₹32,77,136₹4,01,64,971
52₹1,95,602₹23,47,223₹5,07,07,351
56₹1,56,586₹18,79,036₹6,40,16,862
60₹1,32,861₹15,94,330₹8,08,19,814
64₹1,16,704₹14,00,443₹10,20,33,153
68₹1,04,813₹12,57,756₹12,88,14,505
72₹95,546₹11,46,557₹16,26,25,344

Inflation-Adjusted Corpus

What looks sufficient now may fall short later—adjust for inflation and see!

Year Age Corpus Without Inflation Corpus With Inflation (Adjusted)
202540₹30,00,000₹30,00,000
203045₹61,48,944₹45,94,849
203550₹1,12,39,023₹62,75,812
204055₹1,95,07,935₹81,39,980
204560₹3,15,18,292₹98,27,552

Targeted Corpus

View the monthly and annual savings required to reach your targeted corpus. (Your current balance and expected average portfolio return (% p.a.) are considered)

Targeted Corpus Amount (Rs) Required Monthly Saving to Achieve this Target Required Annual Saving to Achieve this Target
To meet 10x annual expenses₹2,30,91,375₹22,042₹2,64,505
To meet 15x annual expenses₹3,46,37,063₹44,206₹5,30,470
To meet 20x annual expenses₹4,61,82,751₹66,370₹7,96,435
To meet 25x annual expenses₹5,77,28,438₹88,533₹10,62,400
To meet 30x annual expenses₹6,92,74,126₹1,10,697₹13,28,365
To meet 35x annual expenses₹8,08,19,814₹1,32,861₹15,94,330
To meet 40x annual expenses₹9,23,65,502₹1,55,025₹18,60,295
To meet 45x annual expenses₹10,39,11,189₹1,77,188₹21,26,260
To meet 50x annual expenses₹11,54,56,877₹1,99,352₹23,92,225

Different Market Return Scenarios (Corpus at the Age of Retirement)

Understand the effect of different market returns on your retirement corpus by asset class.

Asset Class -3% Return -2% Return -1% Return Corpus at Expected Annual Return (XX%) Corpus at +1% Return Corpus at +2% Return Corpus at +3% Return
Equity₹1,47,47,094₹1,72,70,031₹2,02,22,890₹2,36,76,878₹2,77,14,478₹3,24,31,130₹3,79,37,157
Fixed Income₹35,78,653₹42,63,693₹50,76,465₹60,39,741₹71,80,129₹85,28,680₹1,01,21,585
Gold₹10,36,304₹12,47,579₹15,00,153₹18,01,672₹21,61,114₹25,89,001₹30,97,653
Total₹1,93,62,051₹2,27,81,303₹2,67,99,508₹3,15,18,292₹3,70,55,721₹4,35,48,811₹5,11,56,394

1% SHIFT IN RETURNS,A BIG IMPACT ON YOUR FINACIAL FUTURE!

Just 1% can tilt the balance—see its power on your corpus!

Withdrawing Wisely: The Next-Gen 4% Rule

A steady 4% withdrawal annually, ignoring inflation, expenses, or returns—rethinking the standard approach!

Year Age Corpus Expected Expense PA 4% Withdrawal Corpus After Withdrawal Corpus + Interest at Expected Rate
2045 60 ₹3,15,18,292 ₹23,09,138 ₹12,60,732 ₹3,02,57,560 ₹3,23,75,590
2046 61 ₹3,23,75,590 ₹24,47,686 ₹12,95,024 ₹3,10,80,566 ₹3,32,56,206
2047 62 ₹3,32,56,206 ₹25,94,547 ₹13,30,248 ₹3,19,25,957 ₹3,41,60,774
2048 63 ₹3,41,60,774 ₹27,50,220 ₹13,66,431 ₹3,27,94,343 ₹3,50,89,947
2049 64 ₹3,50,89,947 ₹29,15,233 ₹14,03,598 ₹3,36,86,350 ₹3,60,44,394
2050 65 ₹3,60,44,394 ₹30,90,147 ₹14,41,776 ₹3,46,02,618 ₹3,70,24,802
2051 66 ₹3,70,24,802 ₹32,75,556 ₹14,80,992 ₹3,55,43,809 ₹3,80,31,876
2052 67 ₹3,80,31,876 ₹34,72,089 ₹15,21,275 ₹3,65,10,601 ₹3,90,66,343
2053 68 ₹3,90,66,343 ₹36,80,414 ₹15,62,654 ₹3,75,03,689 ₹4,01,28,948
2054 69 ₹4,01,28,948 ₹39,01,239 ₹16,05,158 ₹3,85,23,790 ₹4,12,20,455
2055 70 ₹4,12,20,455 ₹41,35,314 ₹16,48,818 ₹3,95,71,637 ₹4,23,41,651
2056 71 ₹4,23,41,651 ₹43,83,432 ₹16,93,666 ₹4,06,47,985 ₹4,34,93,344
2057 72 ₹4,34,93,344 ₹46,46,438 ₹17,39,734 ₹4,17,53,611 ₹4,46,76,363
2058 73 ₹4,46,76,363 ₹49,25,225 ₹17,87,055 ₹4,28,89,309 ₹4,58,91,560
2059 74 ₹4,58,91,560 ₹52,20,738 ₹18,35,662 ₹4,40,55,898 ₹4,71,39,811
2060 75 ₹4,71,39,811 ₹55,33,982 ₹18,85,592 ₹4,52,54,218 ₹4,84,22,014
2061 76 ₹4,84,22,014 ₹58,66,021 ₹19,36,881 ₹4,64,85,133 ₹4,97,39,092
2062 77 ₹4,97,39,092 ₹62,17,983 ₹19,89,564 ₹4,77,49,529 ₹5,10,91,996
2063 78 ₹5,10,91,996 ₹65,91,062 ₹20,43,680 ₹4,90,48,316 ₹5,24,81,698
2064 79 ₹5,24,81,698 ₹69,86,525 ₹20,99,268 ₹5,03,82,430 ₹5,39,09,200
2065 80 ₹5,39,09,200 ₹74,05,717 ₹21,56,368 ₹5,17,52,832 ₹5,53,75,531

How long Your corpus can sustain!

Your retirement clock is ticking—see how long your savings can last!

Year Age Corpus Expected Expense PA Corpus after Expense Corpus + Interest at Expected Rate
2045 60 ₹3,15,18,292 ₹23,09,138 ₹2,92,09,154 ₹3,12,53,795
2046 61 ₹3,12,53,795 ₹24,47,686 ₹2,88,06,109 ₹3,08,22,537
2047 62 ₹3,08,22,537 ₹25,94,547 ₹2,82,27,990 ₹3,02,03,950
2048 63 ₹3,02,03,950 ₹27,50,220 ₹2,74,53,730 ₹2,93,75,491
2049 64 ₹2,93,75,491 ₹29,15,233 ₹2,64,60,258 ₹2,83,12,476
2050 65 ₹2,83,12,476 ₹30,90,147 ₹2,52,22,329 ₹2,69,87,892
2051 66 ₹2,69,87,892 ₹32,75,556 ₹2,37,12,336 ₹2,53,72,200
2052 67 ₹2,53,72,200 ₹34,72,089 ₹2,19,00,111 ₹2,34,33,119
2053 68 ₹2,34,33,119 ₹36,80,414 ₹1,97,52,704 ₹2,11,35,393
2054 69 ₹2,11,35,393 ₹39,01,239 ₹1,72,34,154 ₹1,84,40,545
2055 70 ₹1,84,40,545 ₹41,35,314 ₹1,43,05,231 ₹1,53,06,597
2056 71 ₹1,53,06,597 ₹43,83,432 ₹1,09,23,165 ₹1,16,87,787
2057 72 ₹1,16,87,787 ₹46,46,438 ₹70,41,348 ₹75,34,243
2058 73 ₹75,34,243 ₹49,25,225 ₹26,09,018 ₹27,91,649
2059 74 ₹27,91,649 ₹52,20,738 -₹24,29,089 -₹25,99,125
2060 75 -₹25,99,125 ₹55,33,982 -₹81,33,108 -₹87,02,425
2061 76 -₹87,02,425 ₹58,66,021 -₹1,45,68,447 -₹1,55,88,238
2062 77 -₹1,55,88,238 ₹62,17,983 -₹2,18,06,221 -₹2,33,32,656
2063 78 -₹2,33,32,656 ₹65,91,062 -₹2,99,23,718 -₹3,20,18,378
2064 79 -₹3,20,18,378 ₹69,86,525 -₹3,90,04,904 -₹4,17,35,247
2065 80 -₹4,17,35,247 ₹74,05,717 -₹4,91,40,964 -₹5,25,80,831

Rising inflation, soaring costs, and longer lifespans—ensure your savings last the journey!

How many years can your savings support you?

With rising inflation, growing expenses, and longer lifespans—make sure your money lasts!

Important Notes & Disclaimers

1. This calculator does not provide investment advice. The calculations and projections are for informational purposes only. Users should consult a qualified financial professional before making any investment or retirement decisions.

2. This is a basic retirement preparedness tool, not a comprehensive financial planner. It is designed to offer general estimates based on user inputs and assumptions.

3. Default values are pre-filled for convenience. Users should review and modify these values based on their actual financial situation and personal goals.

4. The calculations rely on key assumptions, including:

  • Expected Annual Inflation Rate (%)
  • Expected Average Portfolio Return (% per annum)
  • Weighted Average Returns of the Portfolio
  • Annual Increase in Investment (%)

These assumptions impact the projected retirement corpus and may not reflect actual future market conditions.

5. Market fluctuations, inflation variations, and unexpected financial changes may significantly alter actual outcomes. Users should plan with flexibility.

6. Past performance of investments does not guarantee future results. Returns on stocks, bonds, mutual funds, and other asset classes can be unpredictable.

7. There may be unintended calculation mistakes or errors. If you find any discrepancies, please provide feedback or consult a financial expert.

8. This tool assumes consistent deposits and returns. It does not factor in tax implications, early withdrawals, or other financial constraints.

9. Users should periodically revisit their financial plans. Adjustments may be required based on life changes, market performance, or revised retirement goals.

10. Taxation, interest rate changes, and government policies may impact retirement savings. Users should stay informed about relevant financial regulations and tax rules.








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