Life Goals Calculator

Wealth Accumulation

Income Generation

The Wealth Accumulation Calculator helps you ascertain the

lumpsum amount you can accumulate by saving a fixed amount every
year for a specified period of time.

The Income Generation Calculator is designed to help you ascertain

the annual withdrawal / income that is possible for a specified period
of time, if you have a lumpsum amount.

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Retirement Income

Financial Goal

The Retirement Income Calculator is just the opposite of the Income

Generation Calculator... it helps you ascertain the accumulation
required by retirement, to withdraw a fixed amount every year for a
specified period of time.

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The Financial Goals Calculator is just the opposite of the Wealth

Accumualation Calculator given a target financial goal, it helps you
ascertain the annual savings required for a specified period of time to
achieve the same.

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WEALTH ACCUMULATION CALCULATOR

Your Annual Investment of Rs.40000

for 15.5 years, earning an annual return of 10.0%
would grow to
Rs. 14.88 lakhs
For illustrative purpose only
The key learnings from this are:
- A small difference in returns can make a large impact on your long term savings. To see this, just change the rate of return figure in
your query, and see the difference in the accumulation
-The more time you give your savings, the better can be your accumulation as the power of compounding works for you. To check
this, reduce the annual saving amount by half and double the number of years... you will see the impact on your total accumulation.
- The more you save... the more you can accumulate.

Please note that a steady rate of return is assumed for the calculations, which may vary in practice

Wealth Accumulation Calculator

Having enough money in your golden years

Annual investment
Annual rate of return
Savings period in years

Result

Rs.40000
10.0%
15.5 years

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The Wealth Accumulation Calculator helps you ascertain the amount you can accumulate by saving a fixed amount every year for
a specified period of time.

INCOME GENERATION CALCULATOR

With a lumpsum amount of Rs.10 lakhs available with you,

you can withdraw
Rs. 1.34 lakhs every year,
for 20 years, assuming your lumpsum is earning a return of 12.0% p.a
Please note that at the end of the specified period, your lumpsum will reduce to Zero. For illustrative
purpose only
The key learnings from this are:
- A small difference in returns can have a large impact on your annual withdrawal. To check this out, just change
the rate of return figure in your query, and see the difference in the withdrawal amount
- The more you accumulate...the more you can withdraw

Please note that a steady rate of return is assumed for the calculations, which may vary in practice

Income Generation Calculator

Generating regular income in your golden years

Accumulation at retirement

Rs.1,000,000

Annual rate of return

12.0%

Period of retired life

20.0 years

Result

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The Income Generation Calculator is designed to help you ascertain the annual withdrawal of income that is possible for a specified
period of time, if you have a lumpsum amount available with you. At the end of the specified period, the amount available with you will
reduce to zero.
You can input any amount, rate of return or savings period. The drop down box is provided only for your convenience.

RETIREMENT INCOME CALCULATOR

For an annual withdrawal of Rs.2 lakhs

for 15 years earning a return of 12.0% p.a
you need an accumulation of
Rs. 13.62 lakhs at retirement
Please note that at the end of the specified period, your lumpsum will reduce to Zero. For illustrative
purpose only
The key learnings from this are:
- A small difference in returns can have a large impact on the required accumulation. To check this out, just change
the rate of return figure in your query, and see the reduction in your target accumulation amount
- The more income you need after retirement, ... the more you have to save

Please note that a steady rate of return is assumed for the calculations, which may vary in practice

Retirement Income Calculator

Ascertain your target amount at retirement, for a comfortable retired life

Annual Income required after

retirement
Annual rate of return
Period of retired life

Rs. 200,000
12.0%
15.0 years

The Retirement Income Calculator is the opposite of the Income Generation Calculator... it helps you ascertain the accumulation
required by retirement, to withdraw a fixed amount every year for a specified period of time. At the end of the specified period, the
amount available with you will reduce to zero.
You can input any amount, rate of return or savings period. The drop down box is provided only for your convenience.

FINANCIAL GOALS CALCULATOR

To achieve an accumulation target of Rs. 5 lakhs

in 30 years, earning a return at the rate of 12.0%p.a,
you have to invest
Rs. 0.02 lakhs annually
For illustrative purpose only
The key learning from this are:
- A small difference in returns can make a large impact on the targetted accumulation. To see this, just change the
rate of return figure in your query, and see the difference in the annual saving required.
-The more time you have to achieve your financial goal, the easier it is for you - you can either choose to save less
every year, or invest in safer assets which may earn lesser returns. Check this out by increasing the investment
period, and (i) see the impact on the annual saving required and (ii) reduce the rate of return till you come closer to
the original annual saving required.

Please note that a steady rate of return is assumed for the calculations, which may vary in practice

Financial Goals Calculator

Ascertain the annual savings require to achieve your financial goals

Target accumulation

Rs. 500,000

Annual rate of return

12.0%

Savings period in years

Result

30.0 years

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The Financial Goals Calculator is the opposite of the Wealth Accumualation Calculator given a target financial goal, it helps you
ascertain the annual savings required for a specified period of time to achieve the same.
You can input any amount, rate of return or savings period. The drop down box is provided only for your convenience.