Finology Retirement Calculator India: Inflation Adjustment & Date Planner

Investment Summary:

Required Retirement Corpus:

Estimated Expense After Retirement:

Total Investment Needed:

Inflation-Adjusted Corpus Value:

Retirement Duration Analysis:

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Year Investment Amount Interest Earned Total Corpus Annual Expenses Years of Coverage

How to Use Finology Retirement Calculator: Step-by-Step Guide

Planning your retirement shouldn’t feel like solving a Rubik’s Cube. With Finology’s Retirement Calculator, even your dadi maa can plan her golden years! Here’s how to use it:

Step 1: Enter Basic Details

  • Current Age: 30 years
  • Retirement Age: 60 years
  • Life Expectancy: 85 years (better safe than sorry!)

Step 2: Add Income & Expenses

  • Current Monthly Income: ₹1,00,000
  • Expected Post-Retirement Expenses: ₹50,000/month (adjust for inflation!)

Step 3: Factor in Inflation

India’s average inflation is 6%, but you can tweak this. Example:
₹50,000/month today = ₹2.4 lakh/month in 30 years!

Step 4: Input Existing Savings

  • Current Retirement Corpus: ₹10 lakh
  • Monthly SIP Contributions: ₹20,000 (use our SIP and SWP Calculator to optimize investments).

Step 5: Calculate & Analyze

Click the button! The tool shows:
Corpus Needed: ₹5 crore
Gap: ₹4.9 crore (Don’t panic! Adjust SIPs or retirement age).

Pro Tip: If you’re 25+ and haven’t started yet, START NOW. ₹10k/month at 12% returns = ₹3.2 crore at 60!

Real-Life Example:

Rahul (Age 35): Needs ₹8 crore by 60. The calculator shows he must invest ₹30k/month. He uses the SIP and SWP Calculator to split funds between equity and debt.

Why Inflation Adjustment Matters in Indian Retirement Planning?

Imagine this: You’re 60, retired, and your ₹1 crore savings feel like ₹1 crore. But wait—inflation turned ₹1 crore into just ₹30 lakh in 20 years (at 6% inflation). That’s why ignoring inflation is like planning a road trip without checking fuel prices!

The Silent Killer of Savings

  • Groceries: ₹10k/month today = ₹32k/month in 20 years.
  • Medical Bills: A ₹5L surgery today could cost ₹16L in 2030.
  • Travel: Your dream Europe trip (₹3L today) = ₹9.5L in 2040.

Real-Life Example:

Mr. Sharma retired in 2000 with ₹50L, thinking it was enough. By 2020, inflation slashed its value to ₹15L. He now depends on his kids—don’t be Mr. Sharma!

How to Fight Back?

  • Start Early: ₹10k/month at 12% for 30 years = ₹3.2 crore (but inflation cuts it to ~₹1 crore real value).
  • Increase SIPs: Boost investments by 5% yearly to outpace inflation.
  • Diversify: Mix equity, gold, and real estate (equity beats inflation long-term).

Fun Fact:

₹100 in 2000 = ₹21 today! That’s inflation’s power.

Common Mistakes

  • Ignoring Healthcare: Medical inflation in India is 10-12%—double the average!
  • Overestimating Returns: 12% returns – 6% inflation = 6% real returns. Plan accordingly.

Final Thought: Inflation isn’t optional—it’s a certainty. Adjust your retirement math, or risk outliving your savings.