Aakarsh Dalmia, CFP® professional · aakarshdalmia.com
AMFI-registered Mutual Fund Distributor · ARN-169845 · APMI-registered PMS Distributor · APRN-06803
Tool
How much do you need to stop working?
Retirement is not an age, it is a number. This works out roughly how large that number is for you, what you are on course to have, and the gap between the two.
Every rate below is an assumption you control. Change them and watch how much the answer moves. That sensitivity is the most useful thing on this page.
Corpus needed at retirement
₹0
- On course for
- ₹0
- Shortfall
- ₹0
- Monthly saving required
- ₹0
- Monthly expense then
- ₹0
What this is. An arithmetic illustration based entirely on the assumptions you type in. The rates are your assumptions, not forecasts, and not what any scheme will deliver. Change an assumption and the answer changes, which is rather the point of using it.
What this is not. It is not investment advice, not a recommendation, and not a projection of returns. It takes no account of your particular circumstances. Nothing is calculated on a server, and nothing you type here is stored or sent anywhere.
Why the number looks so large
Two things do almost all the damage. The first is inflation, which quietly triples a monthly expense over twenty-five years at six per cent, so the figure you need at sixty has little to do with what you spend today. The second is longevity: money has to last thirty years after the income stops, and each extra year of life expectancy you plan for adds to the corpus rather than to the comfort.
Which is why the sensitivity matters more than the answer. Move inflation by one percentage point and watch the requirement move. Retire five years later and watch it fall twice over, because you save for longer and draw for less time. Those two levers are worth more than any fund selection.
If the shortfall looks impossible, that is information, not a failure. It usually means the plan needs a different retirement age, a different spending level, or a longer runway, and it is far better to learn that at thirty-five than at fifty-eight.
A number is a starting point, not a plan.
This tells you roughly where you stand. What it cannot tell you is what to do about it, which depends on your income, your dependants, what you already hold, and how you behave when markets fall. That part is a conversation.