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Retirement isn’t just about stopping work; it’s about ensuring you have the financial freedom to enjoy the life you’ve envisioned. Many traditional retirement plans suggest that you need a corpus that covers your income plus inflation or corpus required for your monthly running expense But at FinArray, we believe in an entirely different philosophy – why settle for just covering expenses when you can retire rich?
The FinArray Approach: Redefining Retirement Planning
Instead of just accumulating enough to sustain your current lifestyle, we propose a smarter approach: retiring with a corpus equal to your entire lifetime income, plus a steady annual growth rate. This ensures not only a comfortable retirement but also financial security for your future generations.
So, how much do you need to retire rich? The answer depends on key factors such as:
- Your current income
- Expected income growth rate per year
- Percentage of income you invest
- Retirement age
- Expected rate of return on investments
Introducing the Retire Rich Calculator
To help you plan, we’ve developed a Retire Rich Calculator, a powerful tool that calculates your retirement corpus based on the above parameters. Unlike conventional methods, this calculator offers:
- Clarity – See exactly how your investments grow year after year.
- Confidence – Ensure you retire with the wealth you truly deserve.
- Accurate Planning – Get a detailed breakdown of your yearly income, investments, and corpus growth.
How It Works: A Real-Life Example
Let’s say you’re 25 years old, earning ₹5,00,000 per year, and expect a 10% salary hike annually. You decide to invest 15% of your income and plan to retire at 55 years old, with an expected return of 15% per year.
By the time you retire, your total lifetime earnings will be ₹8.22 crore, but with our strategy, your retirement corpus will grow to ₹8.41crore – far exceeding traditional estimates!
| Year | Income | Investment Amount | Corpus (BOY) | Corpus (EOY) |
|---|---|---|---|---|
| 1 | 5,00,000 | 75,000 | 75,000 | 86,250 |
| 5 | 7,32,050 | 1,09,808 | 6,01,271 | 6,91,461 |
| 10 | 11,78,974 | 1,76,846 | 21,77,723 | 25,04,381 |
| 20 | 30,57,955 | 4,58,693 | 1,44,58,556 | 1,66,27,340 |
| 30 | 79,31,546 | 11,89,732 | 7,31,43,555 | 8,41,15,088 |
(For a detailed report, use our calculator and download your personalized plan!)
Why Retiring Rich Matters
- Peace of Mind: No more worrying about outliving your savings.
- Freedom to Enjoy Life: Travel, explore, and pursue passions without financial constraints.
- Legacy for the Next Generation: Secure your family’s future with wealth that grows even post-retirement.
Ready to Take Charge of Your Financial Future?
Planning for retirement isn’t about working harder; it’s about investing smarter. Use our Retire Rich Calculator today and take control of your financial future.
