#AajMeinJiyo with Smart Retirement Planning

Life is about the moments we cherish today and the memories we create for tomorrow. #AajMeinJiyo is about embracing these moments fully, without worrying about the future. If you want to secure a stress-free tomorrow and still enjoy everything life has to offer today, start planning for your retirement now. With #AajMeinJiyo, it’s not about choosing between living well today and planning for tomorrow—it’s about having both, effortlessly.

Why Plan for Your Retirement?

Beat Inflation

Higher Life Expectancy

Longer life means your savings need to last through retirement.

Beat Inflation

Beat Inflation

Rising prices reduce money’s value. A good plan ensures your lifestyle doesn’t suffer.

Maintain Your Lifestyle

Maintain Your Lifestyle

Expenses continue after work stops. Planning ensures your savings support the life you love.

Prepare for the Unexpected

Prepare for the Unexpected

A solid plan provides a cushion for unexpected expenses, ensuring financial security.

Achieve Your Dreams

Achieve Your Dreams

Retirement is for exploring. Having a plan helps turn dreams into reality.

Stay Independent

Stay Independent

Planning enables financial independence, ensuring you don’t have to rely on others after retiring.

Enjoy Peace of Mind

Enjoy Peace of Mind

A well-planned retirement brings peace of mind and security for the future.

Retirement Calculator

Wondering how much to save for retirement? Our calculator is here to help. Enter a few details to get a tailored plan.

Ready to see how much you will need for a comfortable retirement? Use this calculator to project your retirement corpus based on your current expenses and calculate the monthly investment needed to reach your goals.

Let’s get started:

What are your current monthly expenses? (Think of costs like utilities, maintenance, and others that will likely continue into retirement.)

₹ 25,000 ₹ 10,00,000

What rate of inflation do you expect over the years?

0% 12%

How old are you today?

30 60

At what age do you plan to retire?

40 75

What’s your estimated life expectancy?

60 100

How much have you already saved for retirement? (This amount will grow based on the rate of return below.)

₹ 0 ₹ 10Cr

What rate of growth do you expect from your investments?

2% 13%
Your Personalized Plan

Total corpus required to meet your retirement expenses (inflation-adjusted)

6,59,44,627

Growth of your current savings until retirement

0

Shortfall in savings

6,59,44,627

Monthly SIP amount needed to cover the shortfall

49,290

Duration of SIP required (till retirement)

25 Years

Total investment Amount

1,47,87,000
The total investment is a factor of your monthly SIP investment and its growth over the number of years mentioned above.

Disclaimer: Past performance may or may not be sustained in future and is not a guarantee of any future returns. Please note that these calculators are for illustrations only and do not represent actual returns. The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed decision and is not an investment process in itself. Investors are advised to seek professional advice from financial, tax and legal advisor before investing.

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FAQs

Retirement planning ensures you can maintain your lifestyle and independence even after you stop working. It prepares you for life's uncertainties and allows you to enjoy your golden years without financial stress.

Retirement calculators provide estimates based on your current income, expenses, and lifestyle. While they offer a good starting point, it's important to review and adjust your plan regularly as your financial situation and goals evolve. Think of them as a helpful guide rather than a guarantee.

The amount depends on factors like your lifestyle, future aspirations, and location. It’s important to start saving early and consistently, considering inflation and the lifestyle you wish to maintain. Regularly reviewing your retirement goals ensures you stay on track.

There are many retirement planning options in India such as PPF, NPS, Pension Plans, ULIPs, etc. Among these, mutual funds stand out as a smart choice for building your retirement corpus, especially when you start early. They offer long-term growth potential, and SIPs allow you to start small and build wealth over time. Choose funds that match your risk tolerance and retirement goals to maximise returns.

The best time to start is now, regardless of your age. The earlier you begin, the more time your investments have to grow through compounding. Even if you're closer to retirement, it's never too late to plan. The key is to invest wisely and adjust your strategy as needed.

Without a plan, you may face financial challenges in retirement. You could outlive your savings, struggle with rising costs, or need to rely on others. Lack of planning can limit your lifestyle and prevent you from enjoying retirement. Start planning now to secure a fulfilling future.