Use this tool to find out the future value of your current expenses, calculate the retirement corpus you need to accumulate and how much you need to save.
This shows the future value of your current expenses at the time of retirement, adjusted for inflation.
Notice how your future expenses are substantially higher due to the effect of inflation.
The corpus you need to accumulate to fund your post-retirement lifestyle based on your future costs.
This corpus ensures you can maintain your current lifestyle adjusted for inflation.
Let us calculate how much you need to invest monthly and as a lumpsum to build the required corpus.
Consider investing a higher lumpsum to reduce your monthly SIP burden.
Based on your inputs, you have 0 years to retire. You need to invest ₹0 as a lump sum and ₹0 per month to accumulate a retirement corpus of ₹0.
Define your portfolio mix across Equity and Debt schemes to optimize returns vs standard FDs.
| Scheme Type | Exp. Return | Desired Alloc % | W. Return | Debt % | Equity % | W. Debt | W. Equity |
|---|---|---|---|---|---|---|---|
| Equity Schemes | |||||||
| Diversified Equity Funds | % | % | 2.25% | 1.50 | 13.50 | ||
| Balance Funds | % | % | 1.80% | 5.25 | 9.75 | ||
| Dynamic PE Fund of Funds | % | % | 0.55% | 2.50 | 2.50 | ||
| Debt Schemes | |||||||
| Other Debt Funds | % | % | 4.05% | 45.00 | 0.00 | ||
| Monthly Income Plan | % | % | 2.00% | 16.00 | 4.00 | ||
| Portfolio Totals | — | 100% | 10.65% | — | — | 70.25 | 29.75 |
| Scheme Category | Exp. Return | Allocation | W. Return | W. Debt | W. Equity | Amount Invested (₹) | Expected Returns p.a. (₹) |
|---|---|---|---|---|---|---|---|
| Diversified Equity | 0% | 0% | 0% | 0 | 0 | ₹0 | ₹0 |
| Balance Funds | 0% | 0% | 0% | 0 | 0 | ₹0 | ₹0 |
| Dynamic PE | 0% | 0% | 0% | 0 | 0 | ₹0 | ₹0 |
| Other Debt Funds | 0% | 0% | 0% | 0 | 0 | ₹0 | ₹0 |
| Monthly Income Plan | 0% | 0% | 0% | 0 | 0 | ₹0 | ₹0 |
| TOTAL | — | 100% | 0% | 0 | 0 | ₹0 | ₹0 |
A comprehensive mix of Equity, Balanced, and Debt funds optimized for your wealth goals.
| Portfolio Mix | Equity Funds | Balance Funds | MIPs | Debt Funds | ST Debt Fund | Total | Compared to 100% FDs |
|---|---|---|---|---|---|---|---|
| Liquidity | No Lock In | No Lock In | No Lock In | No Lock In | No Lock In | Atleast 70% | Locked for 3 years |
| Investment Allocation (%) | - | - | - | - | - | 100.0% | 100.0% |
| Amount Invested (₹) | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Tenure (Years) | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| CAGR (%) | - | - | - | - | - | - | 7.50% |
| Returns Amount (3Y) | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Future Value (3Y) | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Tax on Returns | 0.00% | 0.00% | 0.80% | 0.60% | 0.50% | - | 30.60% |
| Tax Amount (₹) | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Net FV After Tax | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Expected Inflation (%) | 5.0% | 5.0% | 5.0% | ||||
| Frequency | Eff. ROI | Future Value |
|---|