Verified Calculators

Retirement Planner

Plan for your financial freedom with professional precision.

Your current age. The earlier you start, the more power compounding has.
The target age to stop working. This determines your accumulation phase.
Expected lifespan. This determines how long your money needs to last.

Finance & Economy

Monthly spending today. We use this as a baseline for your future lifestyle.
$
The rate at which prices rise. 6% is a standard long-term benchmark.
%
Costs like commuting often drop after retirement. Enter a % to reflect this.
%

Returns & Savings

Expected returns during working years. Recommended 10% - 15% for Equity.
%
Expected returns during retired life. Recommended 5% - 7% (Safe products).
%
Assets already earmarked for retirement. These will grow till your retirement age.
$
Large one-time payouts like EPF or Gratuity expected exactly at retirement age.
$

Professional Strategy

Increase your monthly investment every year (usually matches your salary growth or inflation).
%

*Professional planners recommend a step-up SIP to make the starting investment more achievable.

Starting Monthly Investment

$ 0/mo

"Small, consistent adjustments today pave the way for a secure and dignified future."

Goal Corpus

Target Bucket

$ 0

Current Progress0%
Inflation Adjust.

Monthly Exp. at age 60

$ 0

Lifestyle preserved with 6% annual inflation

Corpus Growth Trajectory

Snapshot of your Plan

Invested Capital

$ 0

Extimated Interest

$ 0

Accumulation

Years

Documentation

How it works

Planning for retirement involves many assumptions about life expectancy, inflation, and market returns. This calculator uses standardized financial models to estimate your future requirements.

Key Calculations

  • Future Monthly ExpenseAdjusted for inflation using the Compound Interest formula:
    $ 50,000 * (1 + 6%) ^ yrs = $ 0
  • Corpus Required (Ordinary Annuity)Based on "Arrears" (End of Period payments). Expenses are withdrawn at the end of each month, considering the Real Rate of Return.Target: $ 0 for retired years
  • Step-up SIP StrategyAssumes increasing your contribution annually. This makes the initial monthly requirement more achievable.Initial: $ 0 /mo (Grows @ 6%/yr)

Input Guidelines

Inflation Assumption

"RBI target is 4-6%. Assume 5-7% for long-term safety. Avoid short term volatility."

ROI (Working Years)

"Equity: 10-15%. Debt: 6-9%. Be conservative with your assumptions."

ROI (Retired Life)

"Assume 5-7%. Funds should be moved to safer products like Annuities or Govt schemes."