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Retirement Planning Calculator | Financial Advisor

Generating Retirement Report

Please wait while we create your detailed retirement planning report. This comprehensive PDF includes all calculations, charts, and personalized recommendations.

Retirement Planning Calculator

Plan your golden years with precision. Calculate how much you need to save, invest, and grow your nest egg for a comfortable retirement.

20+ Years of Retirement Planning Experience
Basic Info
Income & Expenses
Investments
Advanced Settings

Personal Information

Current Age ℹ️ Your current age helps determine your retirement timeline and investment horizon 35 years
20 30 40 50 60 70
Retirement Age ℹ️ The age at which you plan to retire and start withdrawing from your retirement corpus 60 years
50 55 60 65 70 75
25 years to retirement
Life Expectancy ℹ️ How long you expect to live post-retirement. Plan for at least 85-90 years for safety 85 years
75 80 85 90 95 100

Current Financial Status

Current Retirement Savings ℹ️ Total amount already saved for retirement (EPF, PPF, NPS, Mutual Funds, etc.) ₹15,00,000
₹0 ₹10L ₹25L ₹50L
Monthly Contribution ℹ️ Amount you can save/invest for retirement every month (SIPs, PPF, etc.) ₹25,000
₹5K ₹25K ₹50K ₹1L ₹2L

Income Requirements

Current Annual Income ℹ️ Your current pre-tax annual income from all sources ₹12,00,000
₹3L ₹10L ₹25L ₹50L
Retirement Income % ℹ️ Percentage of current income needed during retirement (70-80% is typical) 70%
50% 70% 90% 110%
Annual retirement income needed: ₹8,40,000

Inflation & Growth

Inflation Rate ℹ️ Expected average inflation rate until retirement. India's long-term average is 5-6% 6%
3% 5% 7% 9%
Post-Retirement Inflation ℹ️ Inflation rate during retirement years (typically same as pre-retirement) 5.5%
3% 5% 7%

Investment Returns

Pre-Return Rate ℹ️ Expected annual return on investments before retirement (equity-heavy portfolios: 10-12%) 11%
5% 8% 11% 14%
Post-Return Rate ℹ️ Expected annual return during retirement (conservative portfolios: 7-8%) 7.5%
4% 6% 8% 10%
Increase SIP Annually ℹ️ Annual increase in your monthly contribution (matching salary increments) 10%
0% 5% 10% 15%

Safety Nets

Emergency Fund ℹ️ Months of expenses saved for emergencies (recommended: 6-12 months) 6 months
3 6 12 18 24
Expected Pension ℹ️ Monthly pension you expect to receive (EPF, government pension, etc.) ₹15,000
₹0 ₹25K ₹50K ₹75K ₹1L

Advanced Calculations

Withdrawal Rate ℹ️ Annual withdrawal as % of retirement corpus (Safe rate: 3-4% for 30+ years) 4%
2% 3% 4% 5% 6%
Tax Rate ℹ️ Expected average tax rate during retirement years 20%
0% 10% 20% 30%

Adjustments

Social Security/PF ℹ️ Expected lump sum from EPF/PPF/NPS at retirement ₹50,00,000
₹0 ₹25L ₹50L ₹1Cr ₹2Cr
Inheritance/Other Assets ℹ️ Value of other assets (property, gold, etc.) that can be liquidated ₹25,00,000
₹0 ₹25L ₹50L ₹1Cr ₹5Cr

Your Retirement Analysis

Retirement Corpus Needed

₹3.2 Cr
At retirement age

Total Amount You'll Invest

₹1.8 Cr
In today's value

Current Gap

₹1.4 Cr
Additional investment needed

Monthly Investment Required

₹35,000
To reach goal

Monthly Withdrawal

₹1,10,000
First year of retirement

Corpus Will Last Until

Age 92
Based on current plan

Key Insights

Years to Retirement

25 years

Retirement Years

25 years

Current Savings Coverage

47%

Success Probability

82%

Retirement Growth Projection

Visualize how your retirement corpus will grow over time and how withdrawals will impact it post-retirement.

Retirement Timeline

Key milestones in your retirement journey based on your current plan.

Personalized Recommendations

Increase Savings Rate

Based on your current plan, consider increasing your monthly contribution by 15-20% to ensure a comfortable retirement.

Rebalance Portfolio

As you approach retirement, gradually shift from equity to debt instruments to protect your corpus from market volatility.

Insurance Review

Ensure adequate health and term insurance coverage to protect your retirement savings from unforeseen medical expenses.

Consider Downsizing

If you own multiple properties, consider downsizing to free up capital that can enhance your retirement corpus.

Get Your Personalized Retirement Plan

As a financial advisor with 20+ years of experience, I can help you create a customized retirement strategy that addresses your specific needs, risk tolerance, and financial goals.

Detailed Retirement Plan

50+ page comprehensive retirement planning report

Portfolio Allocation

Customized asset allocation strategy for your age and risk profile

Free Consultation

60-minute strategy session to review your retirement plan

Your information is 100% secure. We respect your privacy and never share your data.

Important Disclaimer

This retirement planning calculator provides estimates based on the inputs provided. Please note:

  • All calculations are projections based on assumed rates of return and inflation
  • Actual returns may vary due to market conditions and other factors
  • This calculator does not account for major life events, medical emergencies, or unexpected expenses
  • Tax laws and regulations may change, affecting your retirement planning
  • The "success probability" is an estimate based on historical market data
  • This tool is for educational purposes only and not a substitute for personalized financial advice
  • Consult with a qualified financial advisor before making any investment decisions
  • Past performance is not indicative of future results