Retirement Calculator

Advanced Retirement Calculator

Example: ₹50,000 Mahine ke Kharch ke liye Kitna SIP Karna Hoga?

Agar aapka current age 30 hai, retirement age 60 hai, aur aap ₹50,000 per month ka retirement expense chahte hain, toh calculator aapko batayega: – Retirement ke waqt aapko lagbhag ₹X crore ka corpus chahiye. – Aapko har mahine ₹Y SIP karna hoga 12% return ke hisaab se.

Kya aap bhi soch rahe hain ki retirement ke baad paisa kahan se aayega? Har mahine ke kharche kaise chalenge? Iska simple jawab hai – sahi planning. Aur isi ke liye aapka pehla step hai Retirement Calculator

Retirement Planning Kyu Jaruri Hai?

Retirement ke baad regular income band ho jaati hai, lekin kharche chaloo rehte hain – jaise ghar ka kharcha, medical bills, travel, etc. Agar aapne pehle se retirement corpus plan nahi kiya, toh aap financially dependent ban sakte hain.

Retirement Calculator Kaise Kaam Karta Hai?

Yeh calculator kuch simple inputs ke basis par aapko batata hai ki aapko retirement ke waqt kitna paisa chahiye hoga:

  • Current Age: Abhi aap kitne saal ke ho
  • Retirement Age: Aap kis age par retire karna chahte ho
  • Monthly Expense: Aaj ke kharche
  • Inflation Rate: Aane wale saalon me mehngai kitni badhegi
  • Life Expectancy: Aapko kitne saal tak paisa chahiye hoga

Yeh calculator aapke expenses ko inflation se adjust karta hai aur batata hai ki retirement ke waqt aapko kitna corpus

Retirement Calculator Ke Fayde

  • Realistic target setting ke liye help karta hai
  • Inflation ka impact dikhata hai
  • Long-term investment planning me useful
  • SIP ya mutual funds ke through saving goal plan karne me madad karta hai

Kitna Paisa Chahiye Retirement Ke Liye?

Yeh totally aapke kharche, retirement age aur inflation par depend karta hai. Lekin ek general rule hai: Retirement Corpus = Annual Expense × 25. Is calculator se aap apne liye exact figure nikal sakte hain.

Early Retirement Ke Liye Bhi Kaam Karta Hai?

Haan, agar aap 40 ya 45 me retire hona chahte hain (FIRE movement), toh yeh calculator aapko sahi estimate dega. Bas input me early retirement age dalna hoga.

FAQs – Retirement Calculator

Q1. Kya yeh tool free hai?

Bilkul, yeh 100% free tool hai jo aapke liye bina kisi registration ke kaam karta hai.

Q2. Kya yeh calculator SIP ya investment planning bhi karta hai?

Filhaal nahi, lekin aap corpus goal ke basis par SIP calculator se monthly investment nikal sakte ho.

Q3. Inflation rate kya dalna chahiye?

Normally India me inflation 5-6% ke aas paas hoti hai. Aap 6% dal sakte ho safe estimate ke liye.

Q4. Agar life expectancy nahi pata ho toh?

Toh average 80-85 years ka estimate lena sahi rahega. Women ke liye 85, men ke liye 80 standard maana jaata hai.

Conclusion

Agar aap chahte ho ki retirement ke baad bhi aapki lifestyle safe aur secure bani rahe, toh Retirement Calculator Apna plan abhi banaiye, aur dekhie aap retirement ke liye kitna SIP kar sakte hain. Calculator use karke financial future secure kariye.