Financial Goal Planner with Asset Allocation
Comprehensive retirement planning with multiple goals, variable asset allocation, and tax implications. Most comprehensive planning tool.
Financial Goal Planner with Asset Allocation
Result
How it works
Formula Used
Multi-variable: Inflation-adjusted retirement corpus needed + gap analysis + SIP calculator Comprehensive retirement planning with tax and inflation considerations
Smart Tips
- Plan for 25-30 years of retirement (conservative)
- Include part-time income if post-retirement earning planned
- Review annually and adjust contributions
Best Used For
Complete retirement planning with all variables
FAQs
How do I account for inflation throughout retirement?
Current expense ₹100k becomes ₹268k in 20 years at 5% inflation. Retirement planning should inflate monthly expense, calculate total corpus needed. This comprehensive calculator handles it automatically.
Should I include Social Security/Pension income in planning?
Absolutely. If pension is ₹50k/month, you only need portfolio income for remaining expenses. Reduces corpus needed by 30-40% typically. But be conservative with pension projections; benefits change.
What if I want to retire earlier (45-50)?
Needs much higher corpus because retirement is longer. Retiring at 45 needs ~40% more corpus than retiring at 60 (for same lifestyle). But shorter accumulation window. Calculate; may need 20-30% more annual investment.
How do I incorporate tax planning in retirement?
Post-tax return accounts for taxes. But structure investments tax-efficiently: ELSS (tax-free on maturity), municipal bonds (tax-free), debt funds (indexation benefit). Smart tax planning can add ₹5-10L to corpus over 30 years.
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