RETIREMENT, A HOME AND EDUCATION

See how a financial plan helps you decide.

Can you retire when you want? How much can you spend on a home? What happens if you wait to save for your child’s education?

Try these three fictional family examples. Change an age, a home price or a start date to see how the money needed changes. Each result uses StratLab’s calculators.

01 / Retirement

Can Neha retire at 50, 55 or 60?

Neha has ₹20 lakh saved and wants to stop working at 50. Change her retirement age and see how much she needs to save each month.

Try the retirement example →

Monthly investment needed · retire at 50 → 55

₹97,153₹61,267

Five more years to invest and five fewer years of retirement expenses. Assumes annual returns of 10% before retirement and 8% after, with prices rising 6% a year.

02 / A home

How much can Aarav and Meera spend on a home?

Aarav and Meera want a home while continuing to invest for retirement. Change the price and loan rate to see how much money is left each month.

Try the home example →

Money left each month · ₹80 lakh → ₹1.2 crore home

₹29,459₹1,689

After living costs, money set aside for unexpected costs, home maintenance, the EMI and ₹25,000 for retirement. Assumes an 8.5% home loan over 20 years.

03 / Education

How much more will they need if they wait three years?

Riya and Kabir’s child starts a course in 12 years. Choose when they begin investing and see whether the education plan fits their ₹25,000 monthly budget.

Try the education example →

Monthly investment needed · start now → wait three years

₹18,632₹29,340

The course and its start date stay the same. Assumes a 10% annual investment return and fees rising 8% a year.

An actual view from StratLab

How much can your family invest each month?

Each example focuses on one question. Your full plan starts with your income, expenses, rent and existing savings. It then shows how much you can put towards your goals.

An actual StratLab household summary for a fictional couple: ₹2 lakh monthly income, ₹80,000 expenses, ₹1.2 lakh surplus and ₹5 lakh existing savings. — This screenshot uses a different fictional household, not a customer’s plan. It shows savings already available separately from the amount they can invest each month. View full size ↗

TRY YOUR OWN NUMBERS

Check whether your goals fit your budget.

Enter your income, expenses, savings and goal dates. See what you would need to invest and where you may need to adjust.

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These are fictional examples, not customer results or investment recommendations. Each one explains the numbers used, how we calculate the results and what is left out. About StratLab · Planning assumptions