This is experimental site. Donot use it for investment purposes. There is no assurance on correctness of presented data.

Retirement Calculator

Compute current corpus that you need to invest at investment rate till you retire.
    Assumptions of the calculator.
  • Post retirement you are putting the entire corpus in an instrument which is giving you Inflation rate of return, i.e. return matches inflation and does not provide anything on top of it.
  • Till Retirement you are not going to take any money out of the corpus.
  • We make no provision for tax. Example when moving portfolio from equity to debt there will be tax implications but in our calculation we donot incorporate that.
  • Any emergency fund, health related payouts are either assumed in the monthly income or are handled separately.
  • We assume inflation rate of 6% (you can change it), this comes from RBI's stance of trying to keep inflation within +-2% from 4%.
  • We do not assume any investment rate, please enter this value but be reasonable (eg. I never consider long term rate of return of more than inf + 6% for any of the scenarios).
    For coming up with retirement corpus and estimated investment rate I have considered following situations:
  • I know some developed equity markets had negative returns (not considering dividends) for more than 20 years as seen in France and Japan.
  • I know gold can give negative returns.
  • I understand there could be times when inflation is high and still high quality equity (nifty) may not beat it.
  • I understand that most of the mutual funds do not guarantee any investment returns.
  • I know building a diversified portfolio can provide some cushion against uncertainty but it cant guarantee returns or adequate performance.
  • I understand this calculator only provides estimates for values that I provide. There is no guarantee that this amount will actually be enough or that computation is correct.

At retirement you need INR 7 crore, 69 lakh and 71 thousand.

Today you need to invest INR 7 crore, 69 lakh and 71 thousand for 20 years with expected return of investment at 0.0.

This computation assumes that your corpus post retirement only earns at inflation rate.

Before you think about investing or retirement I would suggest read following two books. I also find following two resources very useful.
  • Value Research This is my go to tool for mutual funds.
  • Free Fincal This seems like a good tool but I find it hard to understand.