Retirement Calculator

Current Age (years) 35

Expected Retirement Age (years) 58
Life Expectancy (years) 85
Current Annual Expense ₹900,000
Current Inflation 7%
Expected Inflation After Retirement 6%
Expected Pre-retirement Rate of Return 12%
Expected Returns on Retirement Corpus 8%
Expected Annual Increase in Yearly Income 10%
Existing Investment (If any) ₹850,000
Expected Rate of Return of Existing Investment 10%
Retirement Years 27
Number of years left for retirement 23
Appreciation of existing investment ₹7,611,157
Expenses in the first year of retirement ₹4,565,130
Retirement corpus required ₹90,084,987
Retirement corpus required ₹97,696,144
Lumpsum funding ₹6,647,187
Monthly SIP required ₹68,099
Step up SIP: It is a SIP which you should increase by x% every
year. x% is the expected annual increase in salary. ₹29,675

Semi - Retirement Calculations

Duration of Semi-Retirement started at age of 58 (in years) 10

Expected annual Income During Semi Retirement years (in
Today's Cost) ₹600,000
Adjusted Retirement corpus required at age of 58 ₹71,509,890
Lumpsum funding ₹4,714,957
Monthly SIP required ₹48,303
Step up SIP: It is a SIP which you should increase by x% every
year. x% is the expected annual increase in salary. ₹21,049

Note: Change value in yellow cells.

Effective monthly return 0.643%

Net returns 1.9%
Effective monthly growth ₹ 0.01
Effective monthly returns pre retirement 0.95%
₹2,844,318
₹26,186,254