Error message
Deprecated function: Creation of dynamic property Drupal\tablefield\TableValue::$value is deprecated in Drupal\Core\TypedData\TypedData->setValue() (line 102 of core/lib/Drupal/Core/TypedData/TypedData.php).
Drupal\Core\TypedData\TypedData->setValue(NULL, ) (Line: 87) Drupal\Core\TypedData\Plugin\DataType\Map->setValue(Array, ) (Line: 125) Drupal\Core\Field\FieldItemBase->setValue(Array, ) (Line: 206) Drupal\tablefield\Plugin\Field\FieldType\TablefieldItem->setValue(Array, ) (Line: 208) Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 0, Array) (Line: 91) Drupal\Core\Field\FieldTypePluginManager->createFieldItem(Object, 0, Array) (Line: 41) Drupal\Core\Field\FieldItemList->createItem(0, Array) (Line: 69) Drupal\Core\TypedData\Plugin\DataType\ItemList->setValue(Array, ) (Line: 107) Drupal\Core\Field\FieldItemList->setValue(Array, ) (Line: 208) Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 'field_calc_table', Array) (Line: 83) Drupal\Core\Field\FieldTypePluginManager->createFieldItemList(Object, 'field_calc_table', Array) (Line: 633) Drupal\Core\Entity\ContentEntityBase->getTranslatedField('field_calc_table', 'x-default') (Line: 597) Drupal\Core\Entity\ContentEntityBase->get('field_calc_table') (Line: 325) Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281) Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18) Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238) Drupal\Core\Entity\EntityViewBuilder->build(Array) call_user_func_array(Array, Array) (Line: 111) Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859) Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68) __TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111) __TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array, ) (Line: 238) Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627) Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231) Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128) Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90) Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object) call_user_func(Array, Object, 'kernel.view', Object) (Line: 111) Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186) Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76) Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58) Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28) Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32) Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191) Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128) Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82) Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36) Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704) Drupal\Core\DrupalKernel->handle(Object) (Line: 21)Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct('tablefield', Array, Object, Array, 'hidden', 'default', Array, Object, Object) (Line: 64) Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::create(Object, Array, 'tablefield', Array) (Line: 64) Drupal\Core\Field\FormatterPluginManager->createInstance('tablefield', Array) (Line: 126) Drupal\Core\Field\FormatterPluginManager->getInstance(Array) (Line: 205) Drupal\Core\Entity\Entity\EntityViewDisplay->getRenderer('field_calc_table') (Line: 241) Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339) Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281) Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18) Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238) Drupal\Core\Entity\EntityViewBuilder->build(Array) call_user_func_array(Array, Array) (Line: 111) Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859) Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68) __TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111) __TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array, ) (Line: 238) Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627) Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231) Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128) Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90) Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object) call_user_func(Array, Object, 'kernel.view', Object) (Line: 111) Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186) Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76) Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58) Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28) Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32) Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191) Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128) Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82) Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36) Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704) Drupal\Core\DrupalKernel->handle(Object) (Line: 21)Warning: Undefined array key "caption" in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements() (line 150 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements(Object, 'en') (Line: 91) Drupal\Core\Field\FormatterBase->view(Object, 'en') (Line: 268) Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339) Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281) Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18) Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238) Drupal\Core\Entity\EntityViewBuilder->build(Array) call_user_func_array(Array, Array) (Line: 111) Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859) Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68) __TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array) (Line: 475) Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111) __TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394) Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367) Twig\Template->display(Array) (Line: 379) Twig\Template->render(Array) (Line: 38) Twig\TemplateWrapper->render(Array) (Line: 39) twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348) Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480) Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240) Drupal\Core\Render\Renderer->render(Array, ) (Line: 238) Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627) Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231) Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128) Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90) Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object) call_user_func(Array, Object, 'kernel.view', Object) (Line: 111) Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186) Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76) Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58) Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28) Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32) Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191) Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128) Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82) Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48) Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36) Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51) Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704) Drupal\Core\DrupalKernel->handle(Object) (Line: 21)
Retirement Calculator
Work out the corpus your retirement actually needs — and the monthly SIP that gets you there — from your age, expenses and expected returns.
What this retirement calculator works out
Retirement planning is one long question: how much is enough? This calculator answers it in three linked numbers — what your current monthly expenses will have grown to by the day you retire, the corpus that can fund those expenses for the rest of your life, and the monthly SIP that builds that corpus in the years you have left.
The model is deliberately simple and stated in the open. Your expenses today are inflated to your retirement date; the corpus is sized to pay an inflation-linked income from retirement until your planned life expectancy while the balance keeps earning; and the SIP is whatever monthly investment reaches that corpus at your assumed pre-retirement return. Your retirement age must be later than your current age — the gap between the two is your entire saving window.
The corpus formula
Corpus = E × 12 × [1 − ((1 + g) ÷ (1 + r))ᴺ] ÷ (r − g)
- E — your monthly expense inflated to retirement day: today's expense × (1 + inflation)ᵀ
- T — years from now until retirement; N — years from retirement to your planned life expectancy
- g — the inflation rate; r — the expected return after retirement (both as decimals)
This is the present value, on retirement day, of a growing annuity: a first-year spend of E × 12 that rises with inflation every year for N years, while the remaining corpus keeps earning r. The monthly SIP is then the corpus divided by the future value of ₹1 invested monthly at the pre-retirement return for T years, each instalment at the start of its month. When the post-retirement return exactly equals inflation, the formula simplifies to E × 12 × N ÷ (1 + r) — the calculator handles that case automatically.
How to use this calculator
- Set your age today and your retirement age — retirement must be later than today.
- Enter your monthly expenses today. Count the lifestyle you expect to continue; EMIs that will end before retirement can be left out.
- Set expected inflation — 6% is a common planning assumption.
- Set the return before retirement, while the money is growing (12% is a common long-run equity assumption).
- Set the return after retirement, usually lower because the corpus shifts to safer assets (the default is 8%).
- Choose the age to plan expenses till — the corpus is sized to last exactly that long.
The results show your monthly expenses at retirement, the corpus needed on retirement day, and the monthly SIP that gets you there — with the chart splitting the corpus into what you invest and what growth adds.
A worked example
Age 30, retiring at 60, spending ₹50,000 a month today — 6% inflation, 12% return before retirement, 8% after, expenses planned till 85:
- Monthly expenses at retirement: ₹2,87,174.56 — today's ₹50,000 lifestyle after 30 years of 6% inflation
- Retirement corpus needed: ₹6,43,23,085.75 — about ₹6.43 crore
- Monthly SIP to get there: ₹18,222.28
Over 30 years that SIP puts in ₹65,60,021.68 — growth contributes the remaining ₹5,77,63,064.07, nearly 90% of the corpus.
Starting at 30 versus starting at 40
| Scenario | Corpus needed | Monthly SIP |
|---|---|---|
| Age 30 to 60 — ₹50,000/month, 6% inflation, 12% / 8% returns, till 85 | ₹6,43,23,086 | ₹18,222 |
| Age 40 to 60 — ₹60,000/month, 5% inflation, 11% / 7% returns, till 80 | ₹3,00,25,110 | ₹34,370 |
Two independent scenarios pinned in the engine's regression tests — the assumptions differ between rows, so read each on its own terms. The pattern is the point: a shorter saving window forces a much larger monthly SIP even when the corpus itself is smaller.
The plan needs a positive saving window — the years between now and retirement are when the SIP compounds. If the ages are inverted, or the life expectancy is not beyond the retirement age, there is nothing to accumulate or nothing to fund, so the calculator deliberately returns zeros rather than a misleading figure.
Before retirement, long-run equity-heavy portfolios in India have historically returned 10–14% a year; 12% is a common planning assumption, and returns are market-linked, not guaranteed. After retirement the corpus typically shifts towards debt and deposits, so a lower figure such as 7–8% is prudent. Conservative assumptions cost you nothing except a slightly larger SIP today.
No — it sizes the corpus and the SIP from a standing start, so treat the SIP as an upper bound. Money already compounding in EPF, PPF or NPS will meet part of the corpus; estimate those maturities with their own calculators on this site and reduce the fresh SIP accordingly.
Then growth stops doing any of the drawdown work, and the corpus must come close to covering every future year of spending on its own. With the same inputs as the worked example but the 8% post-retirement return cut to 6% — equal to inflation — the corpus needed rises from about ₹6.43 crore to ₹8,12,75,818, and the monthly SIP from ₹18,222 to ₹23,025. Keeping retired money earning a margin above inflation matters enormously.
By source. EPF and PPF maturities are tax-exempt within their rules; in NPS, 60% of the corpus can be withdrawn tax-free at 60 while annuity income is taxed at slab rates; mutual fund withdrawals are taxed as capital gains — for equity, 12.5% on long-term gains above ₹1,25,000 a financial year. Under the new regime, slab income up to ₹12 lakh (₹12.75 lakh for salaried taxpayers) is tax-free for FY 2025-26 via the Section 87A rebate, though capital gains taxed at special rates sit outside that rebate. All of these rates are current and revisable.