Retirement Corpus Calculator
Retire hone par kitna paisa chahiye — is sawaal ka jawab aaj ke kharche se nahi, us din ke kharche se milta hai. Ye calculator aapke aaj ke mahine ke kharche par mehngai lagata hai, aur batata hai ki retire ke din kitna corpus hona chahiye.
Calculator
Kaise banta hai
Do kadam hote hain. Pehla — aaj ka mahine ka kharcha mehngai ke hisaab se retire ki umar tak badhaya jaata hai. Dusra — us badhe hue saalana kharche ko lagbhag 25 se guna kiya jaata hai. 25 ka number "4% rule" se aata hai: agar aap har saal corpus ka 4% hi nikaalein to paisa bahut lambe samay tak chalta hai.
Zaroori corpus ≈ saalana kharcha × 25
Teen asli misaal — number ke saath
Misaal 1 — 27 se 60 saal. Aaj ka kharcha ₹25,000 mahina, mehngai 5%, retire umar 60. 33 saal baad wahi kharcha lagbhag ₹1,25,080 mahina ho jaata hai, aur zaroori corpus lagbhag ₹3.75 crore.
Misaal 2 — 40 se 60 saal. Aaj ka kharcha ₹40,000, mehngai 6%, 20 saal. Us waqt kharcha lagbhag ₹1,28,000 mahina aur corpus kareeb ₹3.85 crore.
Misaal 3 — mehngai ka asar. Wahi ₹25,000 kharcha, 33 saal — 5% mehngai par ₹1.25 lakh, aur 7% par lagbhag ₹2.3 lakh mahina. Sirf 2% ka farak, par zaroorat lagbhag dugni.
Log yahan galti kya karte hain
- Aaj ke kharche ko hi maan lena. Sabse badi galti yahi hai. 30 saal me mehngai kharche ko 4-5 guna kar deti hai.
- Ilaaj ka kharcha chhod dena. Umar ke saath sehat ka kharcha sabse tezi se badhta hai. Alag se health insurance aur thoda buffer rakhein.
- Umar bahut kam maan lena. Aaj log 80-85 saal tak jee rahe hain. 60 par retire hone ka matlab 25 saal ka kharcha.
- EPF ko hi kaafi maan lena. EPF achha aadhaar hai par akela poora nahi padta. NPS, PPF, mutual fund — kuch aur bhi chahiye.
- Der se shuru karna. 30 se shuru karne aur 40 se shuru karne me har mahine ki zaroorat lagbhag teen guna ho jaati hai.
Bharat me khaas baatein
- 4% rule: Ye Amerika ke data se aaya hai. Bharat me mehngai zyada hai, isliye 3-3.5% nikasi zyada surakshit maani jaati hai.
- EPF/NPS: Naukri wale ke liye ye do sabse bade aadhaar hain — statement saal me ek baar zaroor dekhein.
- Ghar: Apna ghar hone se retire ke baad kiraya bach jaata hai, jo corpus ki zaroorat kaafi ghata deta hai.
- Health insurance: Retire se pehle hi le lein. Baad me lena mehnga aur mushkil dono hota hai.
- Ye anuman hai: Ye rough hisaab hai. Bade faisle se pehle kisi salahkaar se baat karein.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Retirement ke liye kitna paisa chahiye?
Aam niyam ye hai ki retire ke waqt ke saalana kharche ka lagbhag 25 guna. Ye calculator wahi anuman deta hai.
Mehngai kitni maan kar chalein?
Bharat me 5-6% ka andaaza aam hai. Ilaaj aur padhai ke liye isse zyada rakhna behtar hai.
Kab shuru karna chahiye?
Jitna jaldi utna achha. Pehle 10 saal ka nivesh sabse zyada kaam karta hai.
Kya EPF kaafi hai?
Zyadatar logon ke liye nahi. Ye ek hissa hai, poora jawab nahi.
4% rule kya hai?
Har saal corpus ka 4% nikalne par paisa bahut lambe samay tak chalta hai — yahi 25 guna ka aadhaar hai.