Returns
Retirement Calculator India
Retirement calculator: retire hone ke liye kitna paisa chahiye, aur wahan tak pahunchne ki monthly bachat.
- Type karte hi jawab badalta hai
Kul monthly bachat jo chahiye
₹28,372
60 ki umar tak ₹28,372.18 har mahine
Yeh aapki abhi ki ₹15,000 bachat se ₹13,372 zyada hai. Abhi ke plan par paisa lagbhag 77 ki umar mein khatam ho jaata hai.
Hum kaise calculate karte hain: aapka saalana return ek exact monthly rate banta hai, isliye 10% saalana ek saal mein 10% hi badhta hai. Har payment apne mahine ki shuruaat se gina jaata hai. Dono upar badal sakte hain.
Yeh aapki di hui umar, kharche aur returns se bana scenario hai. Yeh safe retirement date ya pakki income nahi hai. Tax aur fees se pehle.
Har saal kitna nikla, aur kitna bacha?
Upar ke bars har saal bachaya ya nikala gaya paisa hain. Bar ka upar wala hissa woh paisa hai jo maanga par mila nahi. Neeche ki line batati hai kitna bacha.
- Bachaya
- Nikala
- Bacha
Rate aapka apna andaza hai.
Umar 90 · Bachaya ₹0.00 · Nikala ₹1,11,62,409.78 · Bacha ₹0.00
Umar ke hisaab se
| Umar | Saal mein bachaya | Saal mein kharch | Needed plan | Abhi ka plan |
|---|---|---|---|---|
| 40 | ₹3,40,466 | ₹0 | ₹38,00,040 | ₹27,68,086 |
| 45 | ₹3,40,466 | ₹0 | ₹83,09,533 | ₹56,15,606 |
| 50 | ₹3,40,466 | ₹0 | ₹1,55,72,117 | ₹1,02,01,566 |
| 55 | ₹3,40,466 | ₹0 | ₹2,72,68,580 | ₹1,75,87,301 |
| 60 | ₹3,40,466 | ₹0 | ₹4,61,05,851 | ₹2,94,82,100 |
| 65 | ₹0 | ₹26,00,826 | ₹5,36,62,120 | ₹2,92,36,376 |
| 70 | ₹0 | ₹34,80,492 | ₹6,00,01,695 | ₹2,41,12,264 |
| 75 | ₹0 | ₹46,57,684 | ₹6,29,42,560 | ₹1,02,09,211 |
| 80 | ₹0 | ₹62,33,031 | ₹5,87,33,736 | ₹0 |
| 85 | ₹0 | ₹83,41,202 | ₹4,11,34,636 | ₹0 |
| 90 | ₹0 | ₹1,11,62,410 | ₹0 | ₹0 |
Har file mein har rate ka source aur check date likhi hai. CSV 2 files mein aata hai, figures aur unke sources.
Har file mein aapke inputs, method aur dono plans ka har saal hai.
Link mein sirf yeh inputs hote hain. Saved inputs sirf is browser mein rehte hain, aur jab tak aap on na karein, band rehte hain.
Ek cheez badal kar dekho
Har button theek ek input badalta hai aur batata hai ki headline figure par kya asar hua. Reset use wapas kar deta hai.
Hisaab
Ek worked example
Wahi hisaab, shuru ke figures par, haath se.
Worked example, hisaab ke saath
Umar 35, 60 par retirement, 90 tak plan. Aaj ₹40,000 har mahine kharcha, ₹10,00,000 bachat, abhi ₹15,000 har mahine bachat. 6% inflation, retirement se pehle 10% aur dauraan 8% return. Upar wale calculator ke hi numbers.
| Kadam | Hisaab | Nateeja |
|---|---|---|
| 60 par kharcha | ₹40,000 × (1 + 6%)^25 | ₹1,71,674.83 har mahine |
| 60 par zaroori corpus | 60 par 360 monthly withdrawals ki value, har saal 6% badhte hue, 8% saalana par | ₹4,61,05,850.83 |
| 60 par aapki bachat | ₹10,00,000 25 saal badhkar, aur har mahine ₹15,000 | ₹2,94,82,100.03 |
| Funding gap | ₹4,61,05,850.83 − ₹2,94,82,100.03 | ₹1,66,23,750.81 |
| Kul monthly bachat | Woh bachat jo aaj ki bachat ke upar gap tak badhti hai | ₹28,372.18 har mahine |
| Extra monthly bachat | ₹28,372.18 − ₹15,000 | ₹13,372.18 har mahine |
Yeh future ke rupaye hain. Aaj ke paise mein zaroori corpus lagbhag ₹1.07 Cr hai. Har saal 10% badhne wali bachat kam se shuru hoti hai, lagbhag ₹11,332 har mahine, par aakhri saal tak lagbhag ₹1,11,613 har mahine ho jaati hai.
Result padho
Result ko samjho
Retirement calculator batata hai ki retire hone ke liye kitna paisa chahiye. Yeh retirement calculator India ke liye rupayon mein chalta hai aur inflation khud jodta hai. Yeh aaj ke monthly kharche se shuru karta hai. Us kharche ko retirement ki umar tak inflation se badhata hai. Phir woh corpus nikalta hai jo aapki chuni umar tak kharcha uthaye.
Phir aapki aaj ki bachat aur monthly bachat ko usi umar tak badhata hai. Dono ka farak funding gap hai. Page unhi rules se woh monthly bachat nikalta hai jo gap band karti hai.
Kharche se shuru kijiye, gol number se nahi
Target is par depend karta hai ki paise ko kya kharcha uthana hai. Pension, chuka hua ghar ya kam kharcha, sab target badalte hain. Sirf retirement ke liye rakhi bachat daaliye. Emergency ka paisa alag rakhiye.
Corpus kaise nikalta hai
Aaj ka kharcha retirement ki umar tak inflation se badhta hai. Phir retirement ke har mahine ko us umar par, retirement ke return se, value kiya jaata hai. Unka total zaroori corpus hai.
Bachat kaise nikalti hai
Yeh aapki retirement planning ka retirement savings calculator wala hissa hai. Aapki aaj ki bachat aur monthly bachat usi umar tak badhti hai. Gap woh hai jo kam hai. Page unhi rules se woh monthly bachat nikalta hai jo gap band kare. Agar pehle se kaafi hai, toh surplus dikhta hai, negative bachat kabhi nahi.
Future ke rupaye aur aaj ke rupaye
Bade numbers future ke rupaye hain. Tab tak cheezein mehngi ho chuki hongi. Isliye page target aaj ke paise mein bhi dikhata hai. Barabar cheezon ko milaiye.
Isse kya badal sakta hai?
- Retirement ki umar. Har saal der se ek bachat ka saal judta hai aur ek kharche ka saal ghatta hai.
- Aaj ka kharcha. Yeh retirement se pehle saalon tak badhta hai.
- Aapke maane hue returns. Zyada return gap ko sirf kagaz par chhota karta hai.
Aam galtiyan
- Kharche mein pehle se future ki mehngai jod dena. Page inflation khud jodta hai.
- Ek hi paisa 2 baar ginna, jaise pension aur woh paisa jisse pension aati hai.
- Sirf average umar tak plan karna. Bahut log zyada jeete hain.
Sawaal
Log yeh poochhte hain
Retirement calculator FAQ
Retirement calculator ko kya batana chahiye?
Yeh aapki chahi hui zindagi ko us paise se jodta hai jo uska kharcha uthaye. Retirement calculator with inflation pehle aaj ke kharche ko retirement ki umar tak badhata hai. Kaam ke results hain retirement par kharcha, zaroori corpus aur extra bachat. Yeh sab aapke anumaanon par tike hain, jaise retirement ki umar, plan kitna lamba hai, inflation aur returns.
India mein retire hone ke liye kitna paisa chahiye?
Sabke liye ek number nahi hai. Ghar ke kharche se shuru kijiye, phir use upar wale retirement calculator mein daaliye. Sochiye kaunse kharche band honge, chalte rahenge ya badhenge, jaise health. Jawab is par bhi badalta hai ki retirement kitni lambi hai, inflation, returns aur doosri income.
Aaj ka kharcha daalu ya retirement ke waqt ka?
Label dekhiye. Yeh page aaj ka monthly kharcha maangta hai aur inflation khud jodta hai. Agar aap future ki mehngai wala amount daalenge, toh inflation 2 baar judegi aur target zyada aayega.
Nominal aur real return mein kya farak hai?
Nominal return rupayon mein growth hai. Real return inflation ke baad ki growth hai. Badalne ke liye 1 plus return ko 1 plus inflation se bhaag dijiye, phir 1 ghataiye. Jaise 8% growth aur 5% inflation se lagbhag 2.86% real growth milti hai, tax aur kharchon se pehle.
Kya India mein 4% rule se retire kar sakte hain?
Ise test karne wala scenario samjhiye, pakka vaada nahi. Rule pehle saal paise ka 4% nikalta hai, phir us amount ko inflation ke saath badhata hai. Doosre deshon ki research India ke har retirement ke liye ise safe sabit nahi karti.
Plan ko kis umar tak chalana chahiye?
Aisi umar chuniye jo lambi zindagi maane, aur usse lambi umar bhi test kijiye. Couple ke liye tab tak plan kijiye jab tak kisi ek partner ko paise ki zaroorat ho. Average umar woh din nahi jab kharche ruk jaate hain.
Pension, EPF aur NPS calculation mein kaise judte hain?
Bachat, retirement par milne wala paisa aur retirement ki income alag rakhiye. Retirement ke liye rakha EPF aur NPS ka paisa bachat ka ek source hai. Pension retirement ki income hai: use pension box mein daaliye, aur page use us kharche se ghata deta hai jo corpus ko uthana hai. Is kadam ke liye alag pension calculator ki zaroorat nahi. Sirf woh paisa giniye jo aap sach mein use kar sakte hain. Ek hi paisa 2 baar mat giniye, jaise pension aur woh paisa jisse pension aati hai.
Retirement plan ke liye average return kaafi kyun nahi hai?
Average yeh chhupata hai ki loss kab hota hai. Retirement ke shuru mein, paisa nikalte waqt, loss hone par recover karne ke liye bahut kam bachta hai. Steady return achhi shuruaat hai. Market girna, zyada inflation aur lambi umar bhi test kijiye.
Aage padho
Iske baad kahan jaayein
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KholoAur calculators
Aur calculators
Baaki saare calculators, kaam ke hisaab se.
Method, sources aur limits
Yeh calculator kya karta hai aur kya nahi
Yeh calculator kya karta hai
- Aaj ka kharcha retirement ki umar tak badhata hai.
- Zaroori corpus aur aapke plan ka corpus nikalta hai.
- Gap band karne wali total aur extra monthly bachat dikhata hai.
Yeh kya nahi karta
- Safe retirement date ya pakki income ka vaada nahi karta.
- Tax ya fund charges nahi ghata-ta.
- Market girne ya alag-alag nateejon ka model nahi banata.
Method aur assumptions dekho
Method
- Aaj ka kharcha retire hone tak aapke inflation rate se badhta hai.
- Zaroori corpus woh kharcha, har saal badhta hua, aapki chuni umar tak deta hai.
- Aapki aaj ki savings aur monthly bachat usi date tak badhaayi jaati hain.
- Gap band karne wali monthly bachat unhi rules se nikaali jaati hai.
Yeh kya maan kar chalta hai
- Aapke type kiye returns har mahine ek jaise maane gaye hain. Yeh forecast nahi hain.
- Tax, exit load aur fund charges nahi ghataye gaye.
- Pension optional hai. Kharche se zyada pension bachat mein nahi judti.
Sources, effective dates aur exclusions
- Calculation ki date
- aaj
Is hisaab mein koi published rate ya date nahi judti. Har figure aap khud type karte ho.
Shaamil nahi
- Live market prices. Yahan har price aap khud type karte ho.
- Exit load aur fund ka expense ratio.
- Gain par tax. Yahan har figure tax se pehle ka hai.
- Safal hone ka chance. Kuch fixed scenarios se yeh nahi milta.
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