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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.
