Wealth banao, income lo, aur retirement plan karo ā sab ek jagah
Made with ā¤ļø By FinanceByAbhimanyu
š„ Inflation (Applied Everywhere)
General Inflation
6%
0%12%
Health/Medical Inflation
9%
0%18%
Medical inflation 10-14% India mein ā general se double!
SIP Step-Up Inputs
Monthly SIP
ā¹10,000
ā¹500ā¹2L
Annual Step-Up
10%
0%50%
Har saal yeh % se SIP badhegi
Expected Return (p.a.)
12%
1%30%
Investment Period
15 yrs
1 yr40 yrs
SIP Year-wise Breakdown
Nominal + inflation-adjusted values
Yr
Monthly SIP
Invested/Yr
Total Inv.
Corpus
Today's ā¹
Gains
š SIP Corpusāā¹0āš° SWP Start
š SIP Corpusāā¹0āš° SWP Starting Amount
SWP Withdrawal Inputs
Monthly Withdrawal
ā¹30,000
ā¹1Kā¹5L
Withdrawal Step-Up
5%
0%30%
Inflation ke liye withdrawal bhi badhao
Return During SWP
8%
1%20%
Withdrawal Period
20 yrs
1 yr40 yrs
SWP Year-wise Breakdown
Withdrawal + remaining (nominal & real)
Yr
Monthly WD
WD/Yr
Total WD
Remaining
Today's ā¹
Full Journey ā Year by Year
SIP ā SWP ā nominal + real values
Yr
Phase
Monthly
Corpus
Today's ā¹
Age & Timeline
Current Age
30
1865
Retirement Age
60
4075
Life Expectancy
85
60100
ā³
Years to Retire
30
šļø
Years in Retirement
25
š
Total Horizon
55 yrs
Monthly Expenses & Lifestyle
Current Monthly Expenses
ā¹50,000
ā¹10Kā¹5L
Retirement Lifestyle Factor
80%
50%150%
80% = No EMI/commute, 100% = same, 120%+ = travel
Extra Health Budget (Today's ā¹)
ā¹5,000
ā¹0ā¹1L
Insurance, medicines, checkups ā health inflation alag se apply hota hai
Existing Wealth
Current Savings & Investments
ā¹5,00,000
ā¹0ā¹1 Cr
MF + FD + PPF + EPF + Stocks sab mila ke
Monthly Pension (Today's ā¹)
ā¹0
ā¹0ā¹2L
NPS/EPS/Govt pension/rental ā fixed monthly income
Retirement SIP Plan
Monthly SIP for Retirement
ā¹15,000
ā¹0ā¹2L
Annual SIP Step-Up
10%
0%30%
Pre-Retirement Return
12%
4%20%
Post-Retirement Return
8%
3%15%
Conservative ā FD+Debt MF+some equity
Retirement Accumulation
Age
SIP/mo
Inv/Yr
Corpus
Today's ā¹
0%
Funded
Calculating...
Monthly Need at Retirement
š® What-If: Delay Retirement?
Full Retirement Journey
Age
Phase
Monthly
Corpus
Today's ā¹
š” Yeh calculator kaise kaam karta hai?
SIP Phase: Step-up SIP se corpus build karo. SWP Phase: Corpus se monthly income lo. Retirement Planner: Age, expenses, health costs, pension, aur inflation ā sab factor karke exact corpus required calculate hota hai + gap analysis + what-if.
Sabhi phases mein inflation-adjusted (today's ā¹) values dikhti hain taaki aapko real picture mile.