Online version of the low stress retirement calculator

This is a major update announcement to the freefincal "low-stress" retirement calculator. I request your help and feedback in testing it. I also need to know if the pro version of the plugin with which it was created is worth a buy.

In May 2015, I finally managed to convert the low-stress retirement calculator with the trial version of spreadsheetconverter.com. This was a standalone html file. It was then made as an app at Google play.

 

Now, using the Calculated Fields Form plugin, I have been able to produce a better online version:

The new online low-stress retirement calculator

Please give this a try (Excel version and other variations are found in the above link) and also, I would appreciate if you can compare the features of the pro version of the plugin and let me know if it is worth a buy. Thank you.

Please note: freefincal.com is a non-profit operation. The peanuts generated via ads is used to buy resources that enhance the usability of existing resources and grow the site. I do not pay myself a dividend from the ad income.

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50 thoughts on “Online version of the low stress retirement calculator

  1. Marieswaran Ramasamy

    Good one Sir. I tried to convert your sheet in Excel online in one drive and using it online. But it is not taking VB macros you have created. I taught to try with google sheets but not yet tried. I hope with online sheet we can do that, but need some work. I will share you if I find something new in this regard.

    Reply
  2. Marieswaran Ramasamy

    Good one Sir. I tried to convert your sheet in Excel online in one drive and using it online. But it is not taking VB macros you have created. I taught to try with google sheets but not yet tried. I hope with online sheet we can do that, but need some work. I will share you if I find something new in this regard.

    Reply
  3. Ramamurthy

    Great.Do you have a web site from where I can use this whenever required?
    Personally I would like a post retirement plan.Would it be too much if I request you whether you can do it.
    Problem is I hate to get such excellent in puts for which I pay nothing. I always have wondered why you do this particulaly when I see so many ads offering fin advice always for a fee.

    Reply
    1. freefincal

      Thank you sir. Please bookmark the link to the online calculator. You can then use it when you want. I cant prepare retirement plans as I am not registered wih SEBI. Even otherwise it is not something that interests me.

      Reply
  4. Ramamurthy

    Great.Do you have a web site from where I can use this whenever required?
    Personally I would like a post retirement plan.Would it be too much if I request you whether you can do it.
    Problem is I hate to get such excellent in puts for which I pay nothing. I always have wondered why you do this particulaly when I see so many ads offering fin advice always for a fee.

    Reply
    1. freefincal

      Thank you sir. Please bookmark the link to the online calculator. You can then use it when you want. I cant prepare retirement plans as I am not registered wih SEBI. Even otherwise it is not something that interests me.

      Reply
  5. Neville

    Thanks Pattu. This will benefit non-Microsoft users like me. As per your suggestion on AIFW for contributions towards uploading of seminar recordings. I propose that you do the same for purchasing the converter.
    And I still don't understand how you find the time to do all these calculators.
    God Bless You

    Reply
  6. Neville

    Thanks Pattu. This will benefit non-Microsoft users like me. As per your suggestion on AIFW for contributions towards uploading of seminar recordings. I propose that you do the same for purchasing the converter.
    And I still don't understand how you find the time to do all these calculators.
    God Bless You

    Reply
  7. Lakshmanan

    Mr. Pattabiraman,

    It surely works & works well. I have to strongly echo Mr. Ramamurthy's & Mr. Neville's view on your altruistic drive. Hats off.

    I am a very recent entrant into your network. I chanced on your blog the other day and have been enamoured ever since. I have successfully evolved a MF investment philosophy, having read all that you have written about that subject. Thanks to you.

    Incidentally, I too nourish a strong desire in personal finance. Having said that, I must quickly confess that I am a minnow compared to where you are. Before knowing your body of work, I had developed( with all my humility) a single view financial passport for self use with the help of ICICI securities & Outlook money teams. When I saw this post of yours, I quickly( with a childlike fervour) hard coded the same input variables as in the low-stress retirement calculator into mine, anxious to see if I had done a correct job. The thrill did not last long. Alas, I seemed to have made some mistake so mine is not correct. However, I will soldier on to reconcile and learn.

    I don't think I can share that worksheet with you here, but would love to have you cast your critical eye on that sometime.

    Kind Regards
    Lakshmanan

    Reply
  8. Lakshmanan

    Mr. Pattabiraman,

    It surely works & works well. I have to strongly echo Mr. Ramamurthy's & Mr. Neville's view on your altruistic drive. Hats off.

    I am a very recent entrant into your network. I chanced on your blog the other day and have been enamoured ever since. I have successfully evolved a MF investment philosophy, having read all that you have written about that subject. Thanks to you.

    Incidentally, I too nourish a strong desire in personal finance. Having said that, I must quickly confess that I am a minnow compared to where you are. Before knowing your body of work, I had developed( with all my humility) a single view financial passport for self use with the help of ICICI securities & Outlook money teams. When I saw this post of yours, I quickly( with a childlike fervour) hard coded the same input variables as in the low-stress retirement calculator into mine, anxious to see if I had done a correct job. The thrill did not last long. Alas, I seemed to have made some mistake so mine is not correct. However, I will soldier on to reconcile and learn.

    I don't think I can share that worksheet with you here, but would love to have you cast your critical eye on that sometime.

    Kind Regards
    Lakshmanan

    Reply
    1. freefincal

      Thank you for kind generosity and for such an eloquent comment. Compounding math is complex. Just because our results do not match does not mean that you are wrong or I am right. You can email the sheet to me, if you would like to share it. Thank you.

      Reply
  9. Anjani Singh

    Hi Pattu Sir,

    Indeed a good calculator. Lot of people would be benefited by this move.

    I have a few suggestions for people like me:
    1. I do not have EPF, VPF or any type of PF contribution. I get Net Salary without these fancy things.
    2. I am not invested in NPS

    I have opted out of EPF and do not wish to do the investment in PPF as I am already too late in the game for PPF (age 46).

    Can you remove rigid value for the %age for "3) allocate to tax-free debt instruments ".
    Can you move it a variable so that I can enter zero
    All my investments are in Debt MF, Direct Equity and Equity MF.

    Hope, this can be implemented to make it more flexible.

    Regards,
    Anjani Singh

    Reply
  10. Anjani Singh

    Hi Pattu Sir,

    Indeed a good calculator. Lot of people would be benefited by this move.

    I have a few suggestions for people like me:
    1. I do not have EPF, VPF or any type of PF contribution. I get Net Salary without these fancy things.
    2. I am not invested in NPS

    I have opted out of EPF and do not wish to do the investment in PPF as I am already too late in the game for PPF (age 46).

    Can you remove rigid value for the %age for "3) allocate to tax-free debt instruments ".
    Can you move it a variable so that I can enter zero
    All my investments are in Debt MF, Direct Equity and Equity MF.

    Hope, this can be implemented to make it more flexible.

    Regards,
    Anjani Singh

    Reply
      1. Lakshmanan

        Kindly take your time. I am the one who is learning. I should be thanking you. I know how invaluable your interaction is to any personal finance enthusiast.

        When I seek to learn from ICICI's learning centre or Outlook money, they take ages to respond and sometime just don't bother to even acknowledge...

        Reply
  11. shankha

    Hi Sir,
    I check your Retirement Calculator and I adjusted some of your inputs.

    I found for me 34 yrs (ret age 60 Max) I have to invested as per your calculator

    Monthly investment required -32293 to get 55096647/~
    Equity- 19376
    Taxable Debt-3229
    Tax-free Debt-9688

    Now I my Investments are

    PPF - Last 8 years - full amount Now Bal 9L
    One LIC jeevan saral - 2 thousand monthly for SA 5L
    RD - 10 thousand Per month (For maintaining some Liquid cash in case JOB Lay off etc) for last 15 months (Target 5L)

    I have invested SIP in UTI Opp G fund for Last 3 years Rs 1000/~ .
    Recently it is matured and amount is good.Gained experience in MF.

    My Paln -
    ======

    My Home Loan EMI will be completed with in 4 months Hence I can HAVE 12 Thousand to invest in MF to reach the GOAL.

    Now How Can I invest or optimise my Invest ?

    70% in Large CAP Equity Fund Like UTI opp G or Franklin India Prima Plus (L+m cap)

    30 % in Mid + Small Cap Like - HDFC Mid Cap or Franklin India smaller Companies Fund

    OR

    30 % in balanced Fund Like HDFC prudence / HDFC Balanced/ Tata Balanced Fund

    Is it a good choice to invest 20-30% of My PPF investment (12500/~) to a Balanced MF

    Note-

    1) Is it a good choice to invest 20-30% of My PPF investment (12500/~) to a Balanced MF

    2) RD 10 thousand will be invested in MF

    Please guide

    Thank you,
    shankha

    Reply
    1. freefincal

      You can opt for a 60-70% equity with rest in debt (PPF/EPF) portfolio.
      Equity folio can have 50-60% large caps with rest in mid and small-caps. I dont want want to comment on fund choices.

      Reply
  12. kiran pani Thota

    Pattu sir,

    Looks ok to me but I am not so good in maths so cant comment on calculation part, but below is opinion/enhancement .

    Every one may invest throughout his/her career but surely utilizes(withdraw) his investments(partially) at some stage of life (children higher education, children marriage, some emergency etc), so please provide a option/column for the same information & make it a optional column to fill.

    but if he/she utilizes partial investement then please do the calculations accordingly.

    Either you can give him the option to fill the withdrawl amount he is planning to withdraw & at what age? if he cant calculate the amount which he will withdraw after say X years then ask him how much he will spend for the same today & you calculate his withdrawl after X years according to inflation etc...

    hope I conveyed you properly.

    Reply
    1. freefincal

      Thank you. Yes, I understand. I have other calculators for considering withdrawal though. This is only a getting started tool.

      Reply

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