Retirement Calculator

What Is the Auris Retirement Calculator? Secure Your Post-Career Lifestyle

The Auris Retirement Calculator is a comprehensive online tool that helps you determine how much you need to save—monthly via SIPs or as lump sums—to maintain your desired lifestyle after you stop working. By accounting for your current age, target retirement age, living expenses, inflation, existing
savings, and expected pre- and post-retirement returns, this calculator delivers a personalized savings roadmap so you can retire with confidence.

Why Use the Auris Retirement Calculator?

  • Holistic Expense Forecasting
    Projects your future household expenses by inflating today’s costs to retirement age, so you  won’t underestimate your needs.
  • Dual-Phase Return Modelling
    Distinguishes between higher “pre-retirement” growth rates and more conservative  “post-retirement” returns for realistic projections.
  • Gap Analysis & Action Plan
    Identifies any shortfall between your current savings trajectory and retirement goal—then tells  you how much to boost your SIP or make a lump-sum top-up.
  • Goal Visualization
    Offers year-by-year charts of corpus accumulation and depletion, helping you see exactly when  you’ll cross the finish line.

How to Use the Auris Retirement Calculator

  • Your Current Age (Years)
    – Slide or enter your present age (e.g., 30).
  • Your Retirement Age (Years)
    – Specify when you plan to retire (e.g., 60).
  • Current Monthly Expenses (₹)
    – Input your household expenses today (e.g., ₹30,000).
  • Estimated Inflation Rate (%)
    – Enter the annual inflation rate for living costs (e.g., 6%).
  • Current Monthly Savings (₹)
    – Add how much you’re already saving each month (e.g., ₹5,000).
  • Existing Retirement Corpus (₹)
    – Include any lump-sum you’ve set aside so far (e.g., ₹100,000).
  • Estimated Pre-Retirement Return (%)
    – Choose an expected annual return rate before retirement (e.g., 12%).
  • Estimated Post-Retirement Return (%)
    – Select a conservative return rate after you stop working (e.g., 7%).
  • Life Expectancy (Years)
    – Enter how long you expect to need post-retirement income (e.g., 80).
  • Calculate
    – Click Calculate to see: 

    o Inflation-Adjusted Monthly Expense at retirement 

    o Total Corpus Required to fund your post-retirement years 

    o Monthly SIP or Lump-Sum Today needed to bridge any gap

Tips to Maximize Your Retirement Readiness

  • Start Early & Stay Consistent
    The longer your investment horizon, the lower your monthly SIP requirement—and the more  you benefit from compounding.
  • Use Step-Up SIPs
    Align automatic SIP increases with your salary hikes to build a larger corpus without feeling the  pinch.
  • Rebalance Regularly
    Shift gradually from equities to debt as you near retirement to protect your corpus from market  downturns.
  • Maintain an Emergency Fund
    Keep 6–12 months of living expenses in liquid assets so you don’t have to dip into your  retirement corpus prematurely.