THE INFLATION VS RETIREMENT CORPUS: Does your monthly cost Rs 25,000, Rs 50,000, or Rs 75,000? Find out how much corpus you need for happy retirement

The inflation vs retirement corpus: Are you in your 25s or early 30s and thinking about making a retunment corpus? It’s a good time to start retirement planning. The first time you start, the first you can achieve your goal of retirement in corpus. But how do you know the amount needed to live a happy life retirement in the post? Your costs can be Rs 30,000 or Rs 1.5 lakh a month; You need to know the correct corpus that is required for post-retirement passive income. How can you calculate your Corpus in retirement? How do you cause inflation in part of the calculation? If you are 30 years old, want to retire at 60, and need money in the next 20 years, and have Rs 25,000 in monthly retirement costs? See our estimates to know-

Things to calculate the retirement corpus

Current Month / Year Cost
Years of retirement
Years of retirement
Return to pre-retirement investment
Return to post-retirement investment
Inflation rate
It’s already corpus

Step 1

If you are 30 years old, your monthly cost is Rs 40,000, or Rs 4,80,000 a year. You need to know the annual cost of the first year of your retirement.

If inflation rate is 6 percent and you want to retire in 60 years old, at that stage, your monthly cost will be 2,29,65,875.76 / year.

Step 2

If the post-retirement recoupment is 10 percent and the inflation rate 6 percent, then the internal rate of your investment (IRR) can be 0.943 percent.

If you want money to 80, through IRR, you can calculate the total corpus that is required for 20 years.

In this case, the estimated corpus of retirement can be Rs 5,05,06,011.33.

Step 3

If you have a have a corpus, calculate its future value in the first year of your retirement.

Eg, if you have Rs 5 lakh in your corpus where you expect to get a 12 per cent annualised return, its estimated value in 30 years will be Rs 1,49,79,961.

You can exclude this amount from the approximated corpus needed; The remaining amount is the corpus you need to achieve.

In this case, it may be Rs 5,05,06,051.33- Rs 1,49,79,96,26,26,33.

If there is no corpus to begin or the value is higher or lower than Rs 5,00,000, the required corpus will change suitable.

Once you know your retirement amount in retirement, you can request your investments according to the years of retirement and the annual investment return.

Conditions for calculations for the story

For people with monthly costs of Rs 25,000-Rs 75,000, we calculate the required retirement. Here are our circumstances for the calculations:

Pre-retirement return- 12%
Post-retirement return- 7%
Inflation rate- 6%
Now age- 30 years
Retirement at age- 60 years
Money required – within 20 years
Years of invest- 30

Corpus is required for people with Rs 25,000-Rs 35,000 monthly costs

Corpus is required for people with Rs 36,000-Rs 45,000 monthly costs

Corpus is required for people with Rs 46,000-Rs 55,000 monthly costs

Corpus is required for people with Rs 56,000-Rs 65,000 monthly expenses

Corpus is required for people with Rs 66,000-Rs 75,000 monthly costs

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