Advanced Retirement Planning Calculator

Plan your financial future with precision using our advanced expense modeling and scenario analysis. Our calculator accounts for career phases, lifestyle changes, and market uncertainties to provide you with comprehensive retirement planning insights.

Personal Information

Enter your current age and retirement timeline

Financial Parameters

Set your expenses and return expectations

Accounts for high early-career expenses, moderate mid-career growth, and stable pre-retirement

Retirement Summary

Your personalized retirement planning overview

0
Years to Retirement
0
Years in Retirement
Future Monthly Expense
₹0
Annual Expense at Retirement
₹0

Corpus Required

Total amount needed for your retirement

₹0
(0 rupees)
This is the total corpus you need to accumulate by retirement to maintain your current lifestyle, adjusted for inflation and considering your post-retirement investment returns.

Scenario Analysis

Different scenarios for your retirement planning

Optimistic
₹0
Better returns/expense control
Realistic
₹0
Current assumptions
Conservative
₹0
Safety buffer included

Expense Growth Breakdown

How your expenses are projected to grow across career phases

Early Career (25-40)
₹0
Mid Career (40-50)
₹0
Pre-Retirement (50+)
₹0
Retirement
₹0

Key Assumptions & Calculations

Inflation Rate:8%
Post-retirement Return:7%
Real Rate of Return:0.00%
Expense Model:realistic

Real Rate Formula: (1 + Nominal Rate) ÷ (1 + Inflation Rate) - 1

Corpus Formula: Annual Expense × Years × Safety Factor (for negative real rates)

* This calculator provides estimates based on your inputs. The realistic expense model accounts for career phases but individual circumstances may vary. Please consult with a financial advisor for personalized advice.