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Retirement Calculator

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Fire Retirement Calculator

1. Take life expectancy more than 80 years.

2. Returns above inflation- Do not take more than 1%-2%

3. Better to take the following returns
* Debt Instruments -6%
* Equity Instrument -12%
* Mix of Equity and Debt - 10%

I do not want to work after retirement
I would be able to manage my Monthly Expenses

PF Accumulation at Retirement Calculator

1. Take annual hike in basic pay as 5% in the long run.

2. Take expected returns as 6% in the long run.

3. Subtract the EPS amount from the monthly contribution or check your salary slip for exact value,

NPER

Coming Soon

Higher Education

Child Marriage

Surrender or Continue Calculator

1. Use this calculator only for traditional insurance policies.

2. Take Mutual Fund Returns as follow
* If the policy remaining term is more than 10 years - 10%
* If the policy remaining term is between 5-10 years -9%
* If the policy remaining term less than 5 years - 6%

Sukanya Samriddhi Yojana Calculator

1. Annual Contribution should be between Rs. 250- Rs. 1.5 Lakhs

2. Take rate of return as 7% in the long run

3. Difference between expected marriage age and account opening age should not be more than 21 years

HRA Calculator

1. Four factors which decide your eligibility for House Rent
*Actual HRA received by you
*Actual Rent paid by you
*Your city of residence
*Your salary (Basic Pay & DA)

Metro Non Metro

Second house for investment calculator

1. Do not take appreciation in house value more than 6%. It would be highly optimistic.

2. Do not consider rent per annum as more than 2%-3% of your property value.

3. Do not take mutual funds returns as more than 10%-12% to be on safer side.

4. Assuming 2 Lakhs deduction for interest paid on the home loan.

RD and SIP Calculator

1. Take Mutual Fund Returns as follow
* Tenure Less than 5 Years - 6% - Invest in Debt Funds
* Tenure 5-10 Years - 9% - Invest in mix of Equity and Debt Funds
* Tenure more than 10 years -10% - Take higher equity and less debt

PPF Accumulation Calculator

1. Take expected returns for long term as 6%.

2. Extension is available only for Indian Residents.

NRI INDIAN
yes no

Pradhan Mantri Vaya Vandana Yojana - PMVVY Calculator

SIP Calculator

Lumpsum Investment Calculator

Fixed Deposit (FD) Calculator

Recurring Deposit (RD) Calculator

Present Value of Money (PV) Calculator

Future Value of Money (FV) Calculator

Compound Annual Growth Rate (CAGR) Calculator

Monthly SIP Required For Any Goal

Senior Citizens Savings Scheme - SCSS Calculator

Life Insurance Need Calculator

1. Take life expectancy more than 80 years.

2. Expected Returns above inflation- Do not take more than 1%-2%

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About Us

Hi,
I am Ajay Pruthi, an alumnus of NIT Jalandhar and K.J. Somaiya Institute of Management Studies. I have over 10 years of experience in the field of insurance and have worked with top two private insurance players in the country.

I am a Certified Financial Planner and currently working as a Paraplanner with Mr. Melvin Joseph, founder of Finvin Financial Planners.

If you liked my blog and want to discuss further on comprehensive fee only financial planning, feel free to get in touch by visiting Finvin Financial Planners.

 

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