Retirement Corpus Calculator
Aaj ke monthly kharche daalo — retirement pe kitna corpus chahiye aur usko banane ke liye kitni SIP karni hogi, dono turant.
How to use — Retirement Corpus Calculator
- Apni current age aur planned retirement age daalo.
- Aaj ke monthly expenses daalo — retirement me lifestyle same maani jayegi.
- Inflation aur life expectancy adjust karo agar chahiye.
- Calculate dabao — kitna corpus chahiye aur usko banane ki monthly SIP dikh jayegi.
FAQ
Corpus kaise calculate hota hai?
Pehle aaj ke expenses ko inflation se retirement tak badhaya jaata hai. Phir retirement ke saalon ke liye corpus nikala jaata hai maankar ki corpus post-retirement ~7% kamayega jabki kharche inflation se badhte rahenge (real return method).
Kitna corpus kaafi hota hai?
Thumb rule: retirement ke pehle saal ke annual expenses ka 25–30x. E.g. retirement pe ₹3.5L/month kharcha = ₹42L/saal × 30 = ~₹12.6 crore. Ye calculator exact number deta hai aapke inputs pe.
SIP @12% hi kyun?
Long-term equity ka historical average ~12% hai. Conservative estimate ke liye is number ko kam maan kar zyada SIP karna better hai. Retirement ke paas aate hi equity se debt me shift karte jao.
EPF/NPS already hai to?
Unka expected retirement value is corpus me se minus kar do — bacha hua gap SIP se cover karo. EPF+NPS aksar corpus ka 30–50% cover kar dete hain.