<style>
@media (min-width: 576px) {
.container,.container-sm {
max-width:540px
}
}
@media (min-width: 768px) {
.container,.container-md,.container-sm {
max-width:720px
}
}
@media (min-width: 992px) {
.container,.container-lg,.container-md,.container-sm {
max-width:960px
}
}
@media (min-width: 1200px) {
.container,.container-lg,.container-md,.container-sm,.container-xl {
max-width:1140px
}
}
@media (min-width: 1400px) {
.container,.container-lg,.container-md,.container-sm,.container-xl,.container-xxl {
max-width:1320px
}
}
@media screen and (max-width: 767px)
{
.table thead th {
font-size: 11px;
}
.headingf {
font-size: 21px;
line-height: 30px;
}
.table-wrap, .mob_overflow {
overflow: scroll;
}
.calculatortable .halftable tr {
width: 100%;
margin-right: 0;
}
.calculatortable .rate-form {
padding: 25px 15px 25px;
}
.row.m-0.intercahngeonmob {
flex-direction: column-reverse;
}
}
@media (max-width: 767px)
body {
padding-right: 0;
padding-left: 0;
}
.row>* {
flex-shrink: 0;
width: 100%;
max-width: 100%;
padding-right: calc(var(--bs-gutter-x)/ 2);
padding-left: calc(var(--bs-gutter-x)/ 2);
margin-top: var(--bs-gutter-y);
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@media (min-width:1400px){
.col-xxl{flex:1 0 0%}
.row-cols-xxl-auto>*{flex:0 0 auto;width:auto}
.row-cols-xxl-1>*{flex:0 0 auto;width:100%}
.row-cols-xxl-2>*{flex:0 0 auto;width:50%}
.row-cols-xxl-3>*{flex:0 0 auto;width:33.3333333333%}
.row-cols-xxl-4>*{flex:0 0 auto;width:25%}
.row-cols-xxl-5>*{flex:0 0 auto;width:20%}
.row-cols-xxl-6>*{flex:0 0 auto;width:16.6666666667%}
}
@media screen and (max-width: 767px)
.calculatortable .halftable tr {
width: 100%;
margin-right: 0;
}
.row {
--bs-gutter-x: 1.5rem;
--bs-gutter-y: 0;
display: flex;
flex-wrap: wrap;
margin-top: calc(var(--bs-gutter-y) * -1);
margin-right: calc(var(--bs-gutter-x)/ -2);
margin-left: calc(var(--bs-gutter-x)/ -2);
}
.calculatortable .rate-form {
padding: 35px 45px 35px;
border: 5px solid #4d8ccaf7;
}
@media screen and (max-width: 768px) {
.rate-form {
margin-top: 30px;
}
}
@media only screen and (max-width: 767px) {
.rate-form {
padding: 30px 15px;
}
}
.rate-form {
padding: 50px 45px;
background-color: #704045;
}
.rate-form .form-group {
margin-bottom: 15px;
}
table {
caption-side: bottom;
border-collapse: collapse;
}
th.tg-xldj {
color: #fff;
margin-bottom: 7px;
}
td.tg-0pky, th.tg-xldj {
width: 100%;
display: block;
}
tbody, td, tfoot, th, thead, tr {
border-color: inherit;
border-style: solid;
border-width: 0;
}
th {
text-align: inherit;
text-align: -webkit-match-parent;
}
*, ::after, ::before {
box-sizing: border-box;
}
user agent stylesheet
th {
display: table-cell;
vertical-align: inherit;
font-weight: bold;
text-align: -internal-center;
}
table {
caption-side: bottom;
border-collapse: collapse;
}
user agent stylesheet
table {
border-collapse: separate;
text-indent: initial;
border-spacing: 2px;
}
.rate-form .form-group {
margin-bottom: 15px;
}
table#calc-table {
color: #fff;
}
.rate-form .rate-btn {
margin-top: 0px;
}
td.tg-0pky {
margin-bottom: 15px;
}
td.tg-0pky, th.tg-xldj {
width: 100%;
display: block;
}
tbody, td, tfoot, th, thead, tr {
border-color: inherit;
border-style: solid;
border-width: 0;
}
td.tg-0pky {
margin-bottom: 15px;
}
td.tg-0pky, th.tg-xldj {
width: 100%;
display: block;
}
.rate-form {
padding: 50px 45px;
background-color: #704045;
}
.rate-form .rate-content {
margin-bottom: 35px;
text-align: center;
}
.rate-form .rate-content span {
color: #fff;
}
.rate-form .rate-content h3 {
font-size: 36px;
color: #fff;
font-weight: 600;
margin-top: 10px;
}
.rate-form label {
color: #fff;
font-family: 'Lato', sans-serif;
font-weight: 400;
text-transform: capitalize;
font-size: 16px;
margin-bottom: 5px;
}
.rate-form .form-group {
margin-bottom: 15px;
}
.rate-form .form-group .form-control{
background-color: #fff;
border: none;
-webkit-box-shadow: unset;
box-shadow: unset;
height: 50px;
border-radius: 0;
color: #606060;
width: 100%;
font-size: 16px;
}
.rate-form .rate-btn {
margin-top: 0px;
}
.rate-form .rate-btn .default-btn {
background-color: #fff;
color: #111;
width: 100%;
padding: 15px 30px;
cursor: pointer;
}
.rate-form.bg-fdebeb {
background-color: #0054a7;
}
.rate-form.bg-fdebeb .rate-content span {
color: #606060;
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.rate-form.bg-fdebeb .rate-content h3 {
color: #111;
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.rate-form.bg-fdebeb label {
color: #606060;
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.rate-form.bg-fdebeb .rate-btn .default-btn {
background-color: #0054a7;
color: #fff;
}
.calculator-form {
background-color: #0054a7;
padding: 50px;
max-width: 600px;
margin: auto;
}
.calculator-form .text {
text-align: center;
margin-bottom: 35px;
}
.calculator-form .text span {
color: #fff;
}
.calculator-form .text h3 {
font-size: 36px;
margin-bottom: 0;
color: #fff;
font-weight: 400;
}
.calculator-form .form-group {
margin-bottom: 15px;
}
.calculator-form .form-group label {
color: #fff !important;
margin-bottom: 5px;
}
.calculator-form .form-group .form-control {
background-color: transparent;
border: 1px solid #f39e9f;
-webkit-box-shadow: unset;
box-shadow: unset;
height: 50px;
border-radius: 0;
color: #f39e9f;
font-size: 16px;
}
.calculator-form .calculator-btn {
text-align: center;
margin-top: 25px;
}
.calculator-form .calculator-btn .btn-one {
display: inline-block;
padding: 12px 60px;
background-color: #fff;
color: #111;
border-radius: 5px;
font-family: 'Lato', sans-serif;
-webkit-transition: 0.5s;
transition: 0.5s;
margin-right: 15px;
}
.calculator-form .calculator-btn .btn-one:hover {
background-color: #111;
color: #fff;
}
.calculator-form .calculator-btn .btn-two {
display: inline-block;
padding: 12px 30px;
background-color: #fff;
color: #111;
border-radius: 5px;
font-family: 'Lato', sans-serif;
-webkit-transition: 0.5s;
transition: 0.5s;
}
.calculator-form .calculator-btn .btn-two:hover {
background-color: #111;
color: #fff;
}
.table-area .container {
max-width: 1140px;
}
.table {
margin-bottom: 0;
}
.table thead th {
border: none;
background-color: #f9fafb;
color: #111;
font-family: 'Lato', sans-serif;
font-weight: 600;
font-size: 16px;
}
.table-bordered td,
.table-bordered th {
border: 1px solid #f0f0f0;
font-weight: 400;
color: #606060;
overflow-x: auto;
}
.table-striped tbody tr:nth-of-type(odd) {
background-color: unset;
}
.text-nowrap {
font-weight: 400;
color: #606060;
}
.table-responsive {
overflow-x: unset;
}
.table {
--bs-table-bg: transparent;
--bs-table-striped-color: #212529;
--bs-table-striped-bg: rgba(0, 0, 0, 0.05);
--bs-table-active-color: #212529;
--bs-table-active-bg: rgba(0, 0, 0, 0.1);
--bs-table-hover-color: #212529;
--bs-table-hover-bg: rgba(0, 0, 0, 0.075);
width: 100%;
margin-bottom: 1rem;
color: #fff;
vertical-align: top;
border-color: #dee2e6;
}
</style>
<div class="content p-10">
<h2 class="maintitle">Retirement Planner</h2>
<p>Retirement is the only financial objective that can’t be met through borrowings or loan. Retirement cannot be avoided either. Longevity is not in anyone’s hands. You may live 20-30 years or more post retirement. This calculator helps you to know the monthly expenses post retirement. You can also know the investments needed (monthly, yearly or one time) to meet your retirement goals. Variables that you need to key in are your current age, age of retirement, current monthly expenses, rate of inflation and rate of return. Output given is adjusted for inflation.</p>
<p><strong>This calculator helps you to see the future expenditure which will be incurred at the time when you are retired form active employment/service.</strong></p>
<div class="row">
<div class="calculatortable col-md-12">
<div class="rate-form">
<table class="tg form-group halftable" width="100%">
<tr>
<th class="tg-xldj">Current Age (Yrs)</th>
<td class="tg-0pky">
<input name="curage" id="income" value="30" size="12" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr>
<th class="tg-xldj">Expected Retirement Age (Yrs)</th>
<td class="tg-0pky">
<input name="retage" id="retage" value="60" size="12" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr>
<th class="tg-xldj">Monthly Expenses for current lifestyle (Rs.)</th>
<td class="tg-0pky">
<input name="mnexpense" id="mnexpense" value="30000" size="12" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr>
<th class="tg-xldj">Expected Inflation (%)</th>
<td class="tg-0pky">
<input name="inflation" id="inflation" value="6.0" size="12" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr>
<th class="tg-xldj">Current Saving Per Month (Rs.)</th>
<td class="tg-73a0 tg-0pky">
<input name="saving" id="saving" value="5000" size="12" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr>
<th class="tg-xldj">Expected Rate of Return while Accumulation (%)</th>
<td class="tg-0pky">
<input name="rt_accu" id="rt_accu" value="12.0" size="12" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr class="width100">
<th class="tg-xldj">Expected Rate of Interest for monthly income at the time of retirement (%)</th>
<td class="tg-0pky">
<input name="rt_mnthly" id="rt_mnthly" size="12" value="9.0" class="txtfldvalue calcInput form-control" type="text">
</td>
</tr>
<tr>
<td class="tg-0pky rate-btn" colspan="2">
<input name="submit" value="Calculate" class="theme-btn btn-style-four default-btn" onclick="calc_retirement()" type="submit">
</td>
</tr>
</table>
<br>
<table id="calc-table" class="table" style="display:none;">
<tbody>
<tr>
<td colspan="3" height="2"></td>
</tr>
<tr>
<td colspan="3" class="output" height="25">
<strong>Output</strong>
</td>
</tr>
<tr>
<th class="bodytext">Years in retirement (Yrs)</th>
<td class="bodytext" align="right" id="td1"><b>000</b></td>
</tr>
<tr>
<th class="bodytext">Inflation adjusted amount required p/m to meet expenses after retirement (Rs.)</th>
<td class="bodytext" align="right" id="td2"><b>000</b></td>
</tr>
<tr>
<th class="bodytext">Lump sum requirement for this amount</th>
<td class="bodytext" align="right" id="td3"><b>000</b></td>
</tr>
<tr>
<th class="bodytext">Amount you will accumulate with current saving </th>
<td class="bodytext" align="right" id="td4"><b>000</b></td>
</tr>
</tbody>
</table>
<table id="shortfallg" class="table" style="display:none;">
<tr>
<th class="bodytext">Short fall in amount</th>
<td class="bodytext" align="right" id="td5"><b>000</b></td>
</tr>
<tr>
<th class="bodytext">Extra amount you need to save per month</th>
<td class="bodytext" align="right" id="td6"><b>000</b></td>
</tr>
</table>
<table class="table" id="shortfalll" style="display:none;">
<tr>
<td colspan="3" height="5"></td>
</tr>
<tr>
<td style="font-family: verdana; font-size: 12px; color: #111111; background-color: #FBF967; font-weight: bold; line-height: 17px;" colspan="3"><span style="color: #ff0000">Congratulations,</span> Your retirement corpus is more than the required amount as per your current lifestyle.
</tr>
</table>
<table class="table">
<tbody>
<tr>
<td class="bodytext note_text">Note: Life expectancy assumed @ 100 years </td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
<script defer src="../widget.tochat.be/bundle2056.js?key=4c30a72c-41af-462c-ad7a-5397b390aed6"></script>
<script type="text/javascript">
function calc_retirement(){
var c_age = document.getElementById('income').value;
var r_age = document.getElementById('retage').value;
var infl_rate = document.getElementById('inflation').value;
var m_expense = document.getElementById('mnexpense').value;
var ret_year = document.getElementById('mnexpense').value;
var mn_rate = document.getElementById('rt_mnthly').value;
var c_saving = document.getElementById('saving').value;
var acc_rate = document.getElementById('rt_accu').value;
//calculation for yeras in retirement
ret_year=r_age-c_age;
//Calculation for amount require after retirement
amt_ret=m_expense*(Math.pow((1+infl_rate/100),ret_year));
//calculation for lum sum amount
lumsum=((amt_ret*100)/mn_rate)*12;
//------------------------------------------------ Calculation for amount accumulate with current saving
var a=c_saving*12;
var amt_final=0;
for(i=1; i<=ret_year; i++)
{
amt_acc=a*(Math.pow((1+acc_rate/100),i));
amt_final += amt_acc;
}
//Shortfall Calculation
short_fall=lumsum - amt_final;
//------------------------------------------------ Calculation for extra amount to save
if (short_fall > 0)
{
var pm=12*ret_year;
var intr=acc_rate/1200;
powr=Math.pow((1+intr),pm);
extra_amt=((short_fall*((intr*powr)/(powr-1)))/powr);
if(acc_rate==0)
{
extra_amt=(short_fall/(ret_year*12));
}
if(ret_year==0)
{
extra_amt=short_fall;
}
}
document.getElementById('td1').innerHTML = Math.round(ret_year);
document.getElementById('td2').innerHTML = Math.round(amt_ret);
document.getElementById('td3').innerHTML = Math.round(lumsum);
document.getElementById('td4').innerHTML = Math.round(amt_final);
if(short_fall>0){
/*document.getElementById("shortfallg").style.display="block";*/
$("#shortfallg").show(1500);
document.getElementById("shortfalll").style.display="none";
document.getElementById('td5').innerHTML = Math.round(short_fall);
document.getElementById('td6').innerHTML = Math.round(extra_amt);
}
else{
document.getElementById("shortfallg").style.display="none";
/*document.getElementById("shortfalll").style.display="block";*/
$("#shortfalll").show(1500);
}
/*document.getElementById("calc-table").style.display="block";*/
$("#calc-table").show(1500);
}
</script>
