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Often people think that making use of retirement investment calculator is a task. It is a task that is set apart till the last but it is always wise to calculate your finances professionally. You might have in due time followed the two aspects, saving and investing. More investments made, the better your corpus grows.

There are various measures to be kept in mind while you use the retirement planning calculator the retirement funds while making the investments.

Step 1: Divide present monthly expenses into two parts
Start by calculating the expenses that need to be met after your retirement. You can pin down a list of your average total expenses. The regular expenses like utility bills, clothing, grocery, house maintenance, restaurant outing and gifting perhaps will always continue even after your retirement.

Step 2: Calculate the anticipated savings income after retirement
One of the most important steps is to calculate the expected total income after your retirement is through the retirement planning calculator. All monetary sources will help in the retirement fund calculation; include all of them under one bracket. Similarly, also include income that you expect to receive from your properties. Be it even average rent expected on a property etc. Since the retirement expenses are computed at current values in step 1, kindly consider your pension to be based on current salary.

Step 3: Calculate the net income needed in retirement
Next key step by financial planning calculator is to calculate the required net amount by making deductions in the value taken in Step 2 from the value in Step 1. For example, if the expense expected is 60,000 bucks in a month and the expected income is less being 26,000 bucks, then you would need the amount of 34,000 bucks more.

Step 4. Calculation on required savings amount per month for an extra retirement fund

One needs to avail the retirement fund calculator to calculate retirement funds earlier and not get worked up if the calculations jump up on a fat requirement rate. Once started early, there is a long time in hand to save and generate the required funds. The calculation can be done by generating an estimated corpus, a sum of Rs 1 crore by the time you reach your 60’s. It is not difficult for a young person who is aged 30-35 to save up basis the estimate calculations made on retirement savings.

Step 5. Add up ongoing investments to know how much more to invest

As mentioned in step 3 if you fall short of the estimated amount bearing in mind all forms of expenses, medical, unexpected and miscellaneous expenses, you may need to pull up all of your regular retirement investments you have been planning like, mutual fund SIP, insurance premiums, Ulip and EPF contribution. It’s important to know how much the current retirement financial savings will grow in the coming years.

The basic points mentioned above are to get you an understanding of the first steps to be taken while understanding the points in mind while calculating the retirement fund. You can get the more details about retirement monthly income calculator.

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