Why use a Financial Planning Calculator?

Financial planning is the roadmap that turns short-term discipline into long-term security. Whether you’re saving for retirement, a child’s education, or a major life purchase, understanding how your savings grow helps you make better choices. This Financial Planning Calculator uses simple, transparent assumptions to estimate your future corpus and monthly retirement income. It is not investment advice, but a planning tool to help you set realistic goals.

How the calculator works (Simple explanation)

The calculator estimates future value of your current savings and your recurring monthly investments. It compounds your monthly contributions at the supplied annual return rate until retirement. Then it calculates how much monthly income that corpus can sustainably produce during retirement, considering your expected post-retirement years and a conservative withdrawal approach. We also show an inflation-adjusted target so you know the real purchasing power you need at retirement.

Practical tips for better planning

• Start early — the power of compounding increases with time. Even small monthly investments become significant over decades.
• Be realistic about returns — use conservative rates (6–10%) for balanced portfolios and higher for equity-heavy portfolios only if you can tolerate volatility.
• Factor inflation — ₹1 lakh today won’t buy the same in 20 or 30 years. This calculator lets you estimate inflation-adjusted needs.
• Review annually — life changes (salary, family, goals) should be reflected in updated calculations.

Summary

This Financial Planning Calculator is a fast, SEO-optimised tool to estimate retirement corpus and monthly income needs. Use conservative inputs, review yearly, and combine these projections with advice from a certified financial planner for personalised strategies. For Indian users in 2025, consider tax-efficient vehicles such as PPF, EPF, NPS and diversified mutual funds as part of your plan.