Retirement Planning Calculator
Input Details
1 Age & Current Living Expenses
25 years until retirement
Essential lifestyle expenses that need to continue post-retirement
₹
₹ 20,000
₹ 75,000
₹ 1,50,000
₹ 2,50,000
2 Inflation & Expected Investment Returns (% p.a.)
Tailored by investor persona
%
%
%
3 Existing Savings & Investments
Total Savings: ₹ 35 Lakh
₹
₹
₹
₹
💡
The Reality of Inflation: A monthly expense of ₹60,000 today will escalate to approx. ₹2.57 Lakh per month by age 60 at 6% inflation! Your retirement investments must grow proactively to sustain that lifestyle.
Total Required Retirement Corpus
at age 60
₹ 5.64 Cr
First month expense at retirement: ₹ 2.57 Lakh
Projected value of current savings at retirement:
₹ 5.95 Cr
Corpus Shortfall:
₹ 0 (Target Achieved!)
Recommended Additional Monthly SIP:
Not Required
Recommended Asset Split
Balanced Investment Strategy
Split
100%
Equities / Stock Market
50% (Equities & Index MF)
Bonds & Debt (EPF/PPF/Fixed Income)
35% (Secure Fixed Returns)
Gold (Gold ETF / SGB)
10% (Inflation Hedge)
Emergency Liquid Funds (FD / Cash)
5% (Contingency Buffer)
Retirement Corpus Trajectory (Accumulation vs. Drawdown)
Wealth accumulation leading up to retirement and sustained withdrawal across life expectancy
Accumulation Phase
Post-Retirement Balance
Annual Living Expenses
Retirement Cash Flow Projection Schedule
Year-by-year projections of investments, inflation-adjusted expenses, and ending corpus balance.
| Age | Phase | Opening Balance | Annual Inflow / Outflow | Investment Returns | Closing Balance |
|---|
Key Assumptions
- Models post-retirement life expectancy and steady inflation (6%–7%).
- Assumes conservative, capital-preservation focused returns (8%–9%) post-retirement.
- Models a sustainable withdrawal strategy across projected life expectancy to prevent capital exhaustion.