Retirement Investment Tracker
Track your retirement savings progress. Monitor whether you're on track to meet your retirement goals.
Retirement Investment Tracker
Result
How it works
Formula Used
FV = P(1+r)^n + C × [((1+r)^n - 1) / r] P = current corpus, C = annual contribution, r = return, n = years
Smart Tips
- Track progress quarterly and adjust contributions
- Increase allocation to equities when young, debt when older
- Plan for 25-30 years of retirement (life expectancy: 80+)
Best Used For
Monitor retirement savings, adjust contributions annually
FAQs
How much retirement corpus do I need?
Multiply monthly expense by 300-360 (for 25-30 year retirement). If you spend ₹100k/month, need ₹3-3.6 Cr corpus. This ensures sustainable withdrawals even if inflation hits.
What if I'm behind on my retirement target?
Options: (1) Increase contributions—save more now, (2) Work longer—more years to compound, (3) Reduce expenses—live modestly in retirement, (4) Invest more aggressively—higher returns, higher risk.
Should I shift to debt funds as I near retirement?
Yes, gradually. Around 10 years pre-retirement, start shifting 5-10% to debt yearly. By retirement, aim for 40-50% debt. This reduces volatility risk when you start withdrawals. Keep some equity for inflation protection.
How often should I review my retirement plan?
Quarterly check corpus growth. Annually adjust contributions and investment allocation. Every 3-5 years review target corpus (inflation adjustments). Life changes (marriage, kids)? Revise immediately. Don't set and forget.
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