Retirement Planner

Your Information

Currency

Current Age years

Please enter your current age

Planned Retirement Age years

Please enter retirement age

Current Retirement Savings $

Please enter current savings (0 if none)

Monthly Contribution $

Please enter monthly contribution (0 if none)

Expected Annual Return %

Please enter expected return

Expected Inflation Rate %

Please enter expected inflation

Annual Retirement Spending $

Please enter retirement spending

Your Retirement Plan

Retirement Savings at Retirement Age

Years Until Retirement

Monthly Contribution Needed

Projected Retirement Duration

0 years

Based on current savings rate

Monthly Breakdown

Month	Age	Starting Balance	Contribution	Interest Earned	Ending Balance

Retirement Planning Tips

Start Early

The power of compounding means even small contributions made early can grow significantly over time.

Maximize Employer Match

If your employer offers a 401(k) match, contribute at least enough to get the full match - it's free money!

Diversify Investments

Spread your investments across different asset classes to manage risk appropriately for your age.

Review Annually

Reassess your retirement plan at least once a year and adjust contributions as your salary changes.

Retirement Planner - Calculate Retirement Corpus with Downloadable Reports

The Retirement Planner by SiD X Tool is a powerful tool that helps you calculate your ideal retirement corpus based on your age, current savings, future expenses, inflation, and investment returns. Not only does it give you your retirement goal amount, but it also provides a detailed monthly growth breakdown and lets you download a personalized PDF report and CSV data for your records or financial advisor.

🎯 What This Tool Helps You Calculate

✅ Total retirement corpus needed

✅ Monthly investment required to reach your goal

✅ Impact of inflation on future expenses

✅ Value of current savings at retirement

✅ Monthly breakdown of corpus growth (CSV export)

✅ Personalized PDF summary report with charts

📐 Inputs You Can Customize

🎂 Current Age

🏁 Retirement Age

💸 Monthly Expenses (current)

📈 Expected Inflation Rate (%)

📊 Expected Investment Return (%)

💰 Current Retirement Savings (if any)

🧠 Formula Logic (Simplified)

Future Expenses = Present Expenses × (1 + Inflation)^Years

Corpus Needed = Annual Retirement Expenses × Corpus Multiple

Monthly Investment Required = Derived using future value & SIP formula

📥 Downloadable Outputs

📄 PDF Report: Includes summary, charts, and all projections

📊 CSV File: Full month-by-month breakdown of investment and growth

💡 Use Cases

👨‍💼 Working professionals planning long-term financial freedom

📊 Financial advisors building reports for clients

👨‍👩‍👧 Parents planning family retirement goals

📚 Students and early earners visualizing retirement early

🏦 Investors comparing long-term SIP and lumpsum approaches

📘 Example

Current Age: 30

Retirement Age: 60

Monthly Expense Today: ₹30,000

Expected Inflation: 6%

Expected Return: 10%

Result: Required corpus ≈ ₹5.4 Crores, Monthly investment ≈ ₹11,000

PDF & CSV: Breakdown from age 30 to 60 with corpus projection

FAQs – Frequently Asked Questions

Q: Can I download the monthly investment breakdown?
A: Yes! You can download a full monthly CSV file for personal records or Excel analysis.

Q: What’s included in the PDF report?
A: Summary, inputs, goal amount, required investment, and visual charts of growth over time.

Q: Is this calculator suitable for Indian users?
A: Yes! The tool supports ₹ (INR) and is suitable for any country’s currency.

Q: Does it account for inflation and compounding?
A: Absolutely! It considers both inflation-adjusted future expenses and compound investment growth.

Q: Is my data stored?
A: No. Everything is calculated in-browser. Your data is 100% private.

Conclusion

The Retirement Planner by SiD X Tool is your smart companion for planning a financially secure and stress-free retirement. With clear visual outputs, accurate projections, and downloadable PDF/CSV reports, you can plan with confidence and make data-driven decisions for your future. Try it now — your future self will thank you!