Retirement Corpus Calculator
Jaanein retirement ke liye aapko kitna fund chahiye
Yeh Retirement Corpus Calculator kya hai?
Retirement Corpus Calculator aapko batata hai ki jab aap kaam karna band karenge, tab tak aapko kitna total fund jama karna hoga taaki aap apna monthly kharch bina kisi salary ke chala sakein — wo bhi mehngai (inflation) badhne ke baad bhi.
Formula kaise kaam karta hai
Sabse pehle aapka current monthly expense inflation ke hisaab se retirement tak grow kiya jata hai. Fir us future expense ko "real rate of return" (yani return minus inflation) se divide karke corpus nikala jata hai, taaki corpus se milne wala return hamesha aapke badhte kharch ko cover kar sake.
Example: Agar aaj aapka kharch ₹40,000/month hai, retirement mein 30 saal baaki hain, inflation 6% aur return 8% hai — to future monthly expense lagbhag ₹2,29,800 hoga, aur required corpus lagbhag ₹1.38 crore ke aas-paas aayega.
Iske fayde / kab use karein
Yeh calculator use karo jab aap apna retirement planning shuru kar rahe hon, ya yeh check karna chahte hon ki aapki current SIP/investment retirement goal ke liye kaafi hai ya nahi.
FAQs
Kya yeh calculator life expectancy ko consider karta hai?
Nahi, yeh "perpetual withdrawal" model use karta hai — corpus ka return hi aapka kharch cover karta rehta hai, corpus khatam nahi hota.
Agar inflation return se zyada ho to?
Aisi situation mein calculation valid nahi rahega — return, inflation se zyada hona chahiye taaki real rate positive rahe.
Kya monthly expense mein medical ya emergency kharch shaamil karna chahiye?
Haan, apna current monthly expense estimate karte waqt medical aur lifestyle kharch bhi shaamil karein taaki number realistic ho.
0 टिप्पणियाँ