💸 PaisaKit

Retirement Calculator

Retirement par kitna paisa chahiye — aur uske liye aaj se kitni monthly SIP karni hogi. Inflation included, India ke hisaab se.

About you

Retirement ke baad corpus kitne saal chalana hai — isse decide hota hai.
Mutual funds, EPF, stocks, FD — sab jodh dein.

Assumptions

Equity-heavy portfolio ka long-term average aksar 10–12% maana jaata hai.
Retirement ke baad usually safer, kam-return options.
Monthly expenses at retirement₹0
Corpus needed at retirement₹0
Your savings will grow to₹0
Gap to cover₹0
Monthly SIP needed₹0

How the retirement corpus is calculated

Pehle aaj ke monthly kharche ko inflation ke saath retirement tak badhaate hain:

Expenses at retirement = Current monthly × (1 + inflation)^(years to retirement)

Uske baad, retirement ke saal-bhar ke kharche ka present value nikalte hain — ye wo corpus hai jo retirement ke din chahiye, taaki har saal inflation ke saath badhte kharche life expectancy tak chalein:

Corpus = A × [1 − ((1 + i)/(1 + r))^n] / (r − i)

yahan A = pehle saal ka kharcha (monthly × 12), i = inflation, r = post-retirement return, n = retirement ke saal. Agar i ≈ r ho, to corpus ≈ A × n.

Aapki current savings bhi compound hoti hai — usse minus karke bacha hua gap monthly SIP se bharna hota hai:

SIP = Gap × iₘ / ([ (1 + iₘ)^m − 1 ] × (1 + iₘ))

jahan iₘ = monthly return before retirement, m = retirement tak ke mahine. Ye SIP-beginning formula hai (har mahine ke shuru mein invest).

FAQ

Worked example — kya result bharosemand hai?

Age 30, retire 60, life 85, ₹40,000/month kharcha, ₹5,00,000 savings, inflation 6%, pre-return 12%, post-return 8% rakhein. Expenses retirement par ≈ ₹2.30 lakh/month ban jaate hain, corpus ≈ ₹5.15 crore chahiye, aapki savings ≈ ₹1.50 crore tak badhti hai, aur gap bharke monthly SIP ≈ ₹10,300 aati hai. In numbers ko apne assumptions ke saath match karein.

Expenses 100% kyun maana jaata hai?

Ye conservative (safe) assumption hai — retirement ke baad kuch kharche ghataate hain (travel, commute) par health aur medical badh jaate hain. Isliye hum poora kharcha lete hain, cut nahi karte.

EPF, NPS ya pension isme included hai?

Haan — apni total savings field mein EPF balance, NPS, stocks, mutual funds, FD sab jodh dein. Toh wo "will grow to" wale figure mein compound ho jaate hain. Alag se pension aayegi to gap aur kam hoga.

Mera data server par jaata hai?

Nahi. Poora calculation aapke browser mein hota hai — kuch bhi upload ya store nahi hota.

Estimates only — returns market par depend karte hain, guaranteed nahi. Ye tool financial advice nahi hai; apne goals ke liye ek SEBI-registered advisor se baat karein.

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