Low-stress retirement calculator with flexible asset allocation

The low-stress retirement calculator now allows the user to determine monthly investment amount required to build a retirement corpus by varying asset allocatio (equity allocation) with age.

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Instead of a fixed asset allocation of debt and equity up to retirement, the user can (typically) gradually decrease equity exposure with age. This was an idea suggested by CFP Deepesh Mehta. A small Excel macro is necessary to handle this.

The sheet also incorporate a more accurate EPF corpus calculation as suggested by Kartick Krishnan. I have integrated the features of the EPF contribution schedule with the low stress calculator.

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Regualr readers may reacall that there is also an even low-stress retirement calculator

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The ‘even low stress’ is best suited for investors who have been investing for a while and have a reasonable corpus built up. Instead of using a single post-retirement return, a bucket strategy based on an income ladder is used.

If you a young earner, use the current version of the low-stress sheet.

Download the updated sheet by clicking on this line!

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17 thoughts on “Low-stress retirement calculator with flexible asset allocation

  1. sir
    the amount to be invested is extra amount on top of what we are currently doing or total amount ?

  2. sir
    the amount to be invested is extra amount on top of what we are currently doing or total amount ?

  3. Dear Pattu,

    I may sound a bit pedantic but I would like to suggest a cosmetic change. For the below values
    value of current equity investments,
    value of current taxable debt investments
    value of current tax-free debt investments, these could be earmarked for any goal. I would suggest to explicitly mention that the values expected here are meant for the ones allocated to retirement goal. I understand that it might be obvious coz its a retirment calculator but I actually made the mistake of entering the whole investment and then only realized

  4. Dear Pattu,

    I may sound a bit pedantic but I would like to suggest a cosmetic change. For the below values
    value of current equity investments,
    value of current taxable debt investments
    value of current tax-free debt investments, these could be earmarked for any goal. I would suggest to explicitly mention that the values expected here are meant for the ones allocated to retirement goal. I understand that it might be obvious coz its a retirment calculator but I actually made the mistake of entering the whole investment and then only realized

  5. Loved your calculator, most comprehensive one I have seen so far. Can you please include the lumpsum investment amount required to achieve the retirement corpus and upload the new calculator?

  6. Of course. But if you can add it, that will help people who are abroad and are mulling over how much money saved is enough before they can pack their bags and head towards the motherland..

Do let us know what you think about the article