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Retirement Calculator: Evaluate and Invest

Updated on March 26, 2025 , 4629 views

retirement calculator is a tool for those who are eager to know about the corpus required post retirement to maintain a certain standard of living. Retirement calculator is considered as an essential element when Planning for retirement. It helps you to identify the estimated amount that you need to save for your retirement based on your current financial situations. Therefore, we take you through a very simple retirement calculator that will help you to evaluate the corpus needed when you retire.

Understanding Retirement Calculator

While using a retirement calculator, you would need to enter certain variables, such as-

  • Your current age
  • Your current monthly expenses
  • Expected Inflation rate (annual) for the years to come
  • Long-term growth rate on investments

All these variables when fed into the calculator would end up giving the amount that you need to invest monthly for your retirement to maintain the standard of living. (i.e. your current monthly living expenses adjusted for inflation).

Retirement Calculator: Evaluation Process

1. Calculating your Current Monthly Expenses

The first thing that you need to do here is, calculate your monthly expenses like household expenses, utility expenses, transportation cost, and other lifestyle expenses. Other than this, you should have a rough idea about the minimum amount that you require monthly for miscellaneous expenses. The basic assumption here is that these expenses adjusted for inflation should suffice in the future to lead a comfortable post retired life.

*To illustrate- *

  • Household expenses – INR 10,000
  • Transportation expenses- INR 2,000
  • Utility expenses-** INR 3,000**
  • Other lifestyle expenses (movies, dining, etc.) - INR 3,000
  • Miscellaneous expense- INR 2000

Total Monthly Expenses- INR 20,000

Know Your Monthly SIP Amount

   
My Goal Amount:
Goal Tenure:
Years
Expected Annual Returns:
%
Total investment required is ₹6,659/month for 20 Years
to achieve ₹10,000,000
Invest Now

Retirement-calculator

2. Understand Inflation Rate for Coming Years

This is the average annual inflation rate that you expect in coming years till you retire. According to various Market sources, the average inflation can be taken to be around 4-5% p.a. in the coming years. However, one can enter their own assumption also.

Retirement-planning-inflation-rate

3. Long Term Growth Rate of Investments

This is long-term growth rate that you expect on your investments. Though the long-term return from the equity market has been 8-15% historically, according to market sources, going forward one can expect around 8-15% p.a. in the long run. If you have sound knowledge about the markets, you can enter your own assumptions on the growth rate.

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4. Investment Evaluation

Now comes the interesting part where you get the desired amount that you need to invest monthly. Taking the above variables into consideration, you will get the desired corpus that you need to save monthly till you get retired. Here the estimated age for retirement is considered as 60 years (refer to the image below).

Investment-evaluation-based-on-all-the-variables-entered

5. Total Corpus

By this, we mean how much corpus will be accumulated when you invest for 36 years, meaning if you start Investing at the age of 24 till 60 years of age. To reach the desired corpus, you need to make a monthly investment. According to the aforementioned figures, the total investment required every month is INR 10,143 for 36 years. As indicated, the estimated total corpus will depend on your current age, current monthly expenses, inflation and the growth rate on investment expected over the years.

Total-corpus-till-60-years

Conclusion- People who are planning for their retirement can use this calculator, through which you can easily estimate your retirement corpus. It will help you calculate approximately the amount needed for retirement and hence, you can plan your investment accordingly!

Top Funds for 2025

*Best funds based on 5 year performance.

1. IDFC Infrastructure Fund

The investment objective of the scheme is to seek to generate long-term capital growth through an active diversified portfolio of predominantly equity and equity related instruments of companies that are participating in and benefiting from growth in Indian infrastructure and infrastructural related activities. However, there can be no assurance that the investment objective of the scheme will be realized.

IDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 8 Mar 11. It is a fund with High risk and has given a CAGR/Annualized return of 11.5% since its launch.  Ranked 1 in Sectoral category.  Return for 2024 was 39.3% , 2023 was 50.3% and 2022 was 1.7% .

Below is the key information for IDFC Infrastructure Fund

IDFC Infrastructure Fund
Growth
Launch Date 8 Mar 11
NAV (28 Mar 25) ₹45.942 ↓ -0.12   (-0.26 %)
Net Assets (Cr) ₹1,400 on 28 Feb 25
Category Equity - Sectoral
AMC IDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.33
Sharpe Ratio -0.3
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹14,023
28 Feb 22₹17,580
28 Feb 23₹18,995
29 Feb 24₹32,794
28 Feb 25₹31,727

IDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹773,746.
Net Profit of ₹473,746
Invest Now

Returns for IDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 12.7%
3 Month -11.2%
6 Month -18%
1 Year 6.3%
3 Year 27.2%
5 Year 38%
10 Year
15 Year
Since launch 11.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 39.3%
2022 50.3%
2021 1.7%
2020 64.8%
2019 6.3%
2018 -5.3%
2017 -25.9%
2016 58.7%
2015 10.7%
2014 -0.2%
Fund Manager information for IDFC Infrastructure Fund
NameSinceTenure
Vishal Biraia24 Jan 241.1 Yr.
Ritika Behera7 Oct 231.4 Yr.
Gaurav Satra7 Jun 240.73 Yr.

Data below for IDFC Infrastructure Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Industrials56.44%
Utility12.75%
Basic Materials8.95%
Communication Services4.63%
Energy3.49%
Financial Services3.1%
Consumer Cyclical2.89%
Technology2.42%
Health Care1.83%
Asset Allocation
Asset ClassValue
Cash3.5%
Equity96.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Kirloskar Brothers Ltd (Industrials)
Equity, Since 31 Dec 17 | KIRLOSBROS
5%₹82 Cr443,385
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
4%₹61 Cr171,447
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 24 | RELIANCE
3%₹57 Cr452,706
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | 532538
3%₹54 Cr46,976
GPT Infraprojects Ltd (Industrials)
Equity, Since 30 Nov 17 | GPTINFRA
3%₹53 Cr4,797,143
Adani Ports & Special Economic Zone Ltd (Industrials)
Equity, Since 31 Dec 23 | ADANIPORTS
3%₹48 Cr434,979
PTC India Financial Services Ltd (Financial Services)
Equity, Since 31 Dec 23 | PFS
3%₹47 Cr12,400,122
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL
3%₹47 Cr289,163
KEC International Ltd (Industrials)
Equity, Since 30 Jun 24 | 532714
3%₹43 Cr512,915
↑ 37,553
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Oct 19 | BEL
3%₹42 Cr1,431,700

2. HDFC Infrastructure Fund

To seek long-term capital appreciation by investing predominantly in equity and equity related securities of companies engaged in or expected to benefit from growth and development of infrastructure.

HDFC Infrastructure Fund is a Equity - Sectoral fund was launched on 10 Mar 08. It is a fund with High risk and has given a CAGR/Annualized return of since its launch.  Ranked 26 in Sectoral category.  Return for 2024 was 23% , 2023 was 55.4% and 2022 was 19.3% .

Below is the key information for HDFC Infrastructure Fund

HDFC Infrastructure Fund
Growth
Launch Date 10 Mar 08
NAV (28 Mar 25) ₹43.275 ↓ -0.11   (-0.24 %)
Net Assets (Cr) ₹2,105 on 28 Feb 25
Category Equity - Sectoral
AMC HDFC Asset Management Company Limited
Rating
Risk High
Expense Ratio 2.31
Sharpe Ratio -0.55
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 300
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
29 Feb 20₹10,000
28 Feb 21₹12,339
28 Feb 22₹14,687
28 Feb 23₹17,137
29 Feb 24₹31,152
28 Feb 25₹29,967

HDFC Infrastructure Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹738,840.
Net Profit of ₹438,840
Invest Now

Returns for HDFC Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Mar 25

DurationReturns
1 Month 9.3%
3 Month -7.4%
6 Month -13.9%
1 Year 4.9%
3 Year 29.9%
5 Year 36.8%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2023 23%
2022 55.4%
2021 19.3%
2020 43.2%
2019 -7.5%
2018 -3.4%
2017 -29%
2016 43.3%
2015 -1.9%
2014 -2.5%
Fund Manager information for HDFC Infrastructure Fund
NameSinceTenure
Srinivasan Ramamurthy12 Jan 241.13 Yr.
Dhruv Muchhal22 Jun 231.69 Yr.

Data below for HDFC Infrastructure Fund as on 28 Feb 25

Equity Sector Allocation
SectorValue
Industrials41.71%
Financial Services19.97%
Basic Materials11.11%
Energy7.53%
Utility6.76%
Communication Services3.67%
Health Care1.75%
Technology1%
Real Estate0.89%
Consumer Cyclical0.54%
Asset Allocation
Asset ClassValue
Cash3.98%
Equity94.91%
Debt1.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹163 Cr1,300,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Jun 12 | LT
5%₹125 Cr350,000
↑ 20,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Aug 23 | HDFCBANK
5%₹119 Cr700,000
J Kumar Infraprojects Ltd (Industrials)
Equity, Since 31 Oct 15 | JKIL
5%₹110 Cr1,500,000
Kalpataru Projects International Ltd (Industrials)
Equity, Since 31 Jan 23 | KPIL
3%₹80 Cr758,285
NTPC Ltd (Utilities)
Equity, Since 31 Dec 17 | 532555
3%₹71 Cr2,200,000
↑ 115,875
Coal India Ltd (Energy)
Equity, Since 31 Oct 18 | COALINDIA
3%₹67 Cr1,700,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 20 | BHARTIARTL
3%₹65 Cr400,000
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Dec 21 | INDIGO
3%₹65 Cr150,000
Reliance Industries Ltd (Energy)
Equity, Since 31 May 24 | RELIANCE
3%₹63 Cr500,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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