ARI Calculator
ARI Calculator: A Guide to Planning Your Retirement
The ARI (Annual Retirement Income) Calculator is a powerful tool designed to help individuals plan their financial future. By inputting specific details about your current savings, contributions, and expected growth rates, you can estimate the income you’ll receive during retirement. Here’s how it works:
Key Inputs Explained
Current Principal (₹)
This is the amount you have already saved for retirement. Your existing savings form the foundation for your financial growth.
Per Retirement
Annual Addition (₹)
The amount you plan to add to your retirement savings each year before you retire. Regular contributions are key to building a substantial retirement fund.
Years to Grow
The number of years you have until retirement. This defines the period over which your investments will grow.
Growth Rate (%)
The annual rate at which your investments are expected to grow before retirement. This depends on your investment strategy and market conditions.
In Retirement
Years to Payout
The number of years you expect to withdraw income during retirement. This typically aligns with your life expectancy post-retirement.
Growth Rate (%)
The annual growth rate of your investments during retirement. Even in retirement, your investments can continue to grow, albeit at a potentially lower rate.
Annual Retirement Income (₹)
This is the income you plan to receive annually during your retirement years. The calculator helps you determine if your savings and growth rates will sustain this income level.
How the ARI Calculator Helps
Financial Clarity: Gain a clear understanding of whether your current savings and contributions will meet your retirement goals.
Goal Setting: Adjust your annual contributions or growth expectations to align with your desired retirement income.
Stress-Free Retirement: Plan ahead to ensure you can maintain your lifestyle without financial worries.
Steps to Use the ARI Calculator
Enter your current savings in the “Current Principal” field.
Specify how much you plan to contribute annually under “Annual Addition.”
Input the number of years until retirement and your expected growth rate.
Define your retirement payout years and the expected growth rate during this period.
Set your desired annual retirement income.
Analyze the results to see if your plan meets your financial goals. Adjust inputs as necessary.