Spending Less Calculator

Personal Details
Your Current age (in years)
Age at which you want to retire (in years)
Savings or interest rate of your current
investments (% per annum)
Income Tax rate (% per annum)
Current Inflation rate (% per annum)
Spending Details
Deferring purchase of a house / flat (Rs.)
Reducing the Home Loan EMI (Rs.)
Waiting to buy a new car (Rs.)
Eating out less with family (Rs.)
Reduce lifestyle spending (Rs.)
Taking fewer holidays (Rs.)
Taking public transport (Rs.)
Reducing the credit card interest (Rs.)
Closing the personal loan (Rs.)
Doing less shopping (Rs.)
  • By reducing your spending you will save this amount each year


  • Number of Years


  • If you invest this amount, you will accumulate this amount by the time you retire


Disclaimer : We have gathered all the data, information, statistics from the sources believed to be highly reliable and true. All necessary precautions have been taken to avoid any error, lapse or insufficiency; however, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. We cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing herein. The user is advised to verify the contents of the report independently.

Returns less than 1 year are in absolute (%) and greater than 1 year are compounded annualised (CAGR %). SIP returns are shown in XIRR (%).

The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should assess the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk profile and consult with their mutual fund distributors or financial advisor before investing.