Annual Expense Calculator
Current vs retirement expenses in current cost terms (no inflation). Total cost estimate.
Monthly Expenses Inputs
All figures in current cost terms (₹).
| Current Costs | Retirement (Current Costs) | |
|---|---|---|
| Home Running Expenses | ||
| EMIs | ||
| Meals & Entertainment | ||
| Other Monthly | ||
| Total Monthly | 2,25,000 | 85,000 |
| Monthly expenses annualised | 27,00,000 | 10,20,000 |
Lumpy Expenses Inputs
Annual lumpy expenses in current cost terms (₹).
| Current Costs | Retirement (Current Costs) | |
|---|---|---|
| Children Education (p.a.) | ||
| Children Others (p.a.) | ||
| Medical | ||
| Travel | ||
| Other Lumpy annual exp | ||
| Total Lumpy Expenses | 20,00,000 | 35,00,000 |
Total Annual Cost Estimate
| Current (annualised) | ₹47,00,000 |
| Retirement (annualised, current cost terms) | ₹45,20,000 |
No inflation assumed. Retirement total = annualised monthly (retirement) + total lumpy (retirement).
About this calculator
Annual Expense Calculator • Fin Plan
Retirement planning starts with a realistic estimate of ongoing monthly expenses and one-time (lumpy) expenses.
This calculator helps you organise expenses into categories and arrive at an annual cost estimate to use in deeper retirement models.
How to use
- Enter monthly recurring costs and lumpy annual/one-time costs.
- Review the totals for monthly, annualised monthly, and overall annual estimate.
- Use the annual estimate as an input to retirement corpus calculators.
Key assumptions
- This calculator focuses on estimating costs; it does not apply inflation/returns by itself.
- Treat outputs as a planning baseline and refine as spending patterns change.
