Calculator
Composite Financial Calculator
Income, spending, debt and retirement in one view — because these decisions interact, and modelling them separately hides the trade-offs.
Your inputs
₹
₹10,000₹50.00 L
₹
₹5,000₹20.00 L
₹
₹0₹20.00 L
₹
₹0₹20.00 L
₹
₹0₹20.00 Cr
₹
₹0₹20.00 Cr
1864
3675
%
1%25%
%
0%15%
Monthly surplus₹65,000
- Savings rate
- 32.5%
- Projected corpus
- ₹11.84 Cr
- Required corpus
- ₹6.12 Cr
- Surplus
- ₹5.72 Cr
Your retirement is funded at this rate
Continuing at ₹40,000 a month projects a corpus of ₹11.84 Cr against a requirement of ₹6.12 Cr.
Financial health
- Savings rate
- 32.5%
- EMI to income
- 22.5%
- Emergency cover
- 27.8 months
- Retirement funding
- On track
20%+ is a healthy target
Above 40% is stretched
Six months of expenses
25 years to go
The required corpus is computed against the real return (5.66% at your assumptions), funding 25 years of retirement. Using the nominal return would badly understate what is needed.
Projections are illustrative and assume a constant rate of return. Actual returns vary and are not guaranteed. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.