Retirement Parameters
Retirement Projection
Retirement Corpus at Age 60
₹2,75,00,000
Total Contributions:
₹75,00,000
Investment Growth:
₹2,00,00,000
Years to Retirement:
25 years
Monthly Expenses at Retirement:
₹3,22,000
Required Monthly Income:
₹3,86,400
| Year | Age | Annual Contribution | Growth | Portfolio Value | Inflation-Adj Expenses | Coverage % |
|---|
Showing all accumulation years
| Year | Age | Annual Withdrawal | Growth | Remaining Balance | Required Expenses | Coverage % |
|---|
Showing all retirement years
Assumptions & Concepts
Accumulation Phase
The wealth-building period from current age to retirement age. During this phase, you make regular contributions that grow through compound returns. The calculator tracks year-by-year growth and contribution accumulation.
Retirement Phase
The withdrawal period from retirement age onwards. Your corpus generates returns while you withdraw money for expenses. The calculator shows year-by-year balance depletion and coverage of inflation-adjusted expenses.
Step-up SIP
A systematic investment plan where contribution amounts increase annually by a fixed percentage. This helps combat inflation and leverage increasing income. Available in both basic step-up and advanced multi-frequency modes.
Multi-Frequency Contributions
Combines monthly, quarterly, semi-annual, and yearly contributions to optimize cash flow. In advanced mode, all frequencies can have step-up increases, plus one-time contributions for windfalls like bonuses or inheritance.
Inflation-Adjusted Expenses
Current monthly expenses are projected forward using the inflation rate. At retirement, your expenses will be significantly higher due to inflation. The calculator shows required withdrawal amounts to maintain purchasing power.
Key Assumptions
• Returns and inflation rates remain constant
• All contributions are made as scheduled
• No career breaks or income disruptions
• Post-retirement returns are typically conservative
• Expense coverage % allows for lifestyle adjustments
• Withdrawal buffer provides financial safety margin
• All contributions are made as scheduled
• No career breaks or income disruptions
• Post-retirement returns are typically conservative
• Expense coverage % allows for lifestyle adjustments
• Withdrawal buffer provides financial safety margin