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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:

Retirement Savings Progress

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

0%

0% of the Retirement goal will be achieved by retirement age

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 0 Minimum 6 to 10 Months of Expense
Current Term Plan Coverage 0 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

Asset Allocation Status

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

Current Age

Retirement Age

Portfolio Growth Over Time

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

Age Total Portfolio

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

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 0
Expected Annual Expense 0
Available Corpus is No of Times Annual Expense 0
4% of the Total Portfolio Value 0

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

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)

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

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

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

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

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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