Financial Tools

Retirement Planner

Inputs

Current Annual Expense Inflation Rate (%) (e.g., 6) Return on Investment (%) (e.g., 8) Current Age Retirement Age Start Year End Age (Life Expectancy)

Table 1 – Corpus Needed to Retire at age

Year	Age	Yearly Expense	Retirement Corpus Needed to retire at age

Table 2 – Corpus value at each age on retiring at planned retirement age

Age	Corpus available at age

Traditional Insurance Return

Inputs

Yearly Premium (₹) Number of Years (paying premium) Wait Years (after last premium) Annual Payout (₹) Years of Return (payout years)

Reference (Past ~15 years averages)

NIFTY50 average return

SBI Bank FD average return

Gold average return

Cashflows used for IRR

Year	Cashflow

Timing: Premium paid yearly for N years, then wait, then receive yearly payout for payout years.

Opportunity Cost

Inputs

Current investment

Annual investment amount (₹) Expected rate of return (%) (current) Number of years invested (already invested) Remaining years of investment Salvageable amount today (₹)

Alternate investment

Expected rate of return (%) (alternate)

Results

Current corpus value (computed)

Expected value if you continue current investment

Expected value if you switch to alternate investment

Difference (Switch − Continue)

Year-wise corpus (Continue current investment)

Year	Corpus (end of year)

Year-wise corpus (Switch to alternate investment)

Year	Corpus (end of year)

Notes: Annual investments are added at end of year. Switching invests salvageable amount immediately (year 0), then grows each year.