Retirement Calculator
Current Age (15 - 60 Years)
Desired Retirement Age (upto 70 years)
Current Monthly Expenses (₹)
Expected Return on Monthly Investment
Pre (% P.A.)
Expected Return on Monthly Investment
Post (% P.A.)
Expected Inflation Rate (% P.A.)
Annual Expenses at Retirement
₹9,22,330
Amount Required for Retirement
₹2,04,07,461
Monthly SIP Required
₹1,390
Planning for your golden years is a long-term commitment, and having the right tools can make all the difference. A retirement calculator helps you estimate how much you need to save and invest today to secure a financially stress-free retirement tomorrow. Whether you're just starting out or reviewing your existing plan, a retirement savings calculator can provide the clarity you need.
Retirement Investment Options With m.Stock
When it comes to building your retirement fund, m.Stock offers a variety of reliable and flexible investment avenues that align with different risk profiles and financial goals. These investment options not only help grow your retirement corpus over time but also offer tax efficiency and flexibility. The retirement calculator on m.Stock makes it easier to compare returns, tailor your approach, and track how your investments will shape your future income.
Here’s a glimpse of the products that are part of m.Stock’s retirement planner:
- Mutual Funds: With access to a wide range of equity, debt, and hybrid funds, m.Stock lets you create a diversified retirement portfolio. You can use SIPs (Systematic Investment Plans) to invest consistently over time making it ideal for long-term goals like retirement. Mutual funds help balance risk and return and are well-suited for use with a retirement planner.
- Stocks: If you're looking for long-term wealth creation, direct equity investment through m.Stock can offer high-growth potential. With zero brokerage* on delivery trades, m.Stock ensures cost-effective investing. You can use our free-to-use retirement planning calculator to estimate returns from your equity investments over time.
- ETFs (Exchange Traded Funds): ETFs provide the benefit of diversification at a relatively lower cost. You can invest in ETFs tracking indices, sectors, or themes, helping you build a stable base for your retirement fund.
- IPO Investments: m.Stock allows you to invest in IPOs with ease. While not a core retirement product, early entry into promising companies can offer strong long-term returns and help accelerate corpus growth.
Each of these options can be tracked and planned efficiently using m.Stock’s web-based platform or mobile app, which include a retirement calculator that allows you to visualise and manage your long-term financial goals confidently.
Moreover, tools such as m.Stock Smart Orders and GTT (Good Till Triggered) offer precision and automation, making it easier to stay disciplined in your investing journey by automating regular investing towards your retirement goals.
What is a Retirement Calculator?
A retirement calculator is a digital tool designed to estimate the amount you need to save to maintain your lifestyle after you stop working. It works like a retirement fund calculator, helping you factor in monthly expenses, life expectancy, inflation, and expected returns on investments. Whether you use it as a retirement corpus calculator or a pension calculation formula, it gives you a clear picture of your financial future. It eliminates guesswork, making your retirement planning more data-driven and dependable.
How Does a Retirement Calculator Work?
The retirement savings calculator works by taking your input on current income, expenses, age, retirement age, and expected rate of return. It then uses a pension calculation formula to estimate how much you need to invest each month to meet your retirement goals. This online retirement planner projects the growth of your retirement corpus while considering inflation and changes in lifestyle. The result is a tailored plan that guides your saving and investment strategy, using a data-backed approach to financial independence.
What Is the Formula For Retirement Calculator?
Different retirement planners may use different approaches to calculate the amount you need for retirement. The m.Stock Retirement Calculator, in particular, uses a combination of inflation-adjusted expense projections and investment return assumptions to deliver accurate estimates of your retirement needs. Here's a breakdown of how the retirement calculation formula works:
1. First it calculates your estimated annual expenses at the time of your retirement. The formula used for this is:
2. Then, the m.Stock Retirement Calculator calculates the amount you would require to meet those expenses and maintain your current and expected lifestyles. This calculation is done using the retirement calculation formula assuming a life expectancy of 80 years:
3. Unlike most other online retirement calculators, m.Stock goes one step further and also helps you understand the monthly amount you should invest to achieve your target.
Together, these formulas provide the foundation for m.Stock’s advanced retirement amount calculator, giving you data-backed projections that help you plan confidently and systematically for your future.
How To Use the Online Retirement Calculator?
Using m.Stock’s retirement calculator is simple, transparent, and fully customised to your financial inputs. The tool guides you through your retirement plan by collecting basic financial data and turning it into actionable numbers.
Here’s how to get started:
- Enter Your Current Age: Between 15 and 60 years, to estimate the number of earning years left.
- Set Your Desired Retirement Age: Up to 70 years, to define when you'd like to stop working.
- Input Your Life Expectancy: Up to 100 years, for projecting the post-retirement period.
- Add Current Monthly Expenses (₹): Your current expenses become the base for future expense projections.
- Fill Expected Return on Investment – Pre & Post Retirement (% P.A.): Reflects how your money will grow before and after retirement.
- Mention Expected Inflation Rate (% P.A.): To estimate the rising cost of living over time.
Once the inputs are added, the calculator shows:
- Annual Expenses at Retirement (₹)
- Amount Required for Retirement (₹)
- Monthly SIP Required (₹)
These results help you determine how much you should invest monthly to comfortably meet your future needs using the retirement fund calculator.
Benefits of Using a Retirement Calculator
A retirement calculator offers more than just numbers-it offers peace of mind. With a structured financial outlook, you’re in a better position to make confident decisions today that shape your tomorrow.
Here are the key benefits:
- Visualises Future Goals: Translates your retirement dream into actual numbers.
- Customised Planning: Adjust variables like age, inflation, or returns to suit your lifestyle.
- Saves Time: Automates complex retirement calculation formulas instantly.
- Improves Investment Discipline: Identifies the right SIP amount, helping you stay committed.
- Closes the Awareness Gap: Makes you aware of how inflation and longevity affect your corpus.
- Supports Scenario Testing: Helps compare different retirement plans and investment strategies.
- Boosts Financial Confidence: Knowing your numbers early helps avoid future shortfalls.
Most importantly, the m.Stock retirement savings calculator combines advanced projections with an easy-to-use interface. Whether you’re investing in mutual funds, ETFs, or direct stocks, it seamlessly integrates with your financial planning and keeps you on track.