Loan EMI Calculator (Nepal) — with Affordability Verdict
Calculate EMI for home, vehicle, personal, education and business loans in Nepal — with a verdict on whether you can actually afford it.
Retirement corpus needed
Rs. 5.13 Cr
Projected corpus
Rs. 5.90 Cr
Sufficiency
115%
Required SIP
Rs. 15.0k
Already enough
Adjust the scenario
30 yr
55 yr
Rs.
Rs.
Rs.
8%
Assumptions
%
%
%
25 yr
Decision insights
🎉 On track to retire at 55
Your plan builds 115% of the corpus needed. Lifestyle inflation is the next enemy — keep step-up at 8%+.
Inflation eats half your purchasing power
At 6% inflation, Rs. 50,000 today becomes Rs. 2,14,594 the day you retire. Plan in real terms, not nominal.
Add a SIP step-up
Increasing SIP by 8-10% every year (in line with salary growth) roughly doubles your retirement corpus vs a flat SIP.
Corpus: projected vs needed
Wealth projection
| Age | Monthly SIP | Corpus at year-end | Target | On-track % |
|---|---|---|---|---|
| 32 | Rs. 16,200 | Rs. 8.05 L | Rs. 5.13 Cr | 2% |
| 34 | Rs. 18,896 | Rs. 15.17 L | Rs. 5.13 Cr | 3% |
| 36 | Rs. 22,040 | Rs. 25.03 L | Rs. 5.13 Cr | 5% |
| 38 | Rs. 25,707 | Rs. 38.51 L | Rs. 5.13 Cr | 8% |
| 40 | Rs. 29,985 | Rs. 56.74 L | Rs. 5.13 Cr | 11% |
| 42 | Rs. 34,975 | Rs. 81.20 L | Rs. 5.13 Cr | 16% |
| 44 | Rs. 40,794 | Rs. 1.14 Cr | Rs. 5.13 Cr | 22% |
| 46 | Rs. 47,583 | Rs. 1.57 Cr | Rs. 5.13 Cr | 31% |
| 48 | Rs. 55,500 | Rs. 2.14 Cr | Rs. 5.13 Cr | 42% |
| 50 | Rs. 64,736 | Rs. 2.88 Cr | Rs. 5.13 Cr | 56% |
| 52 | Rs. 75,508 | Rs. 3.86 Cr | Rs. 5.13 Cr | 75% |
| 54 | Rs. 88,072 | Rs. 5.13 Cr | Rs. 5.13 Cr | 100% |
| 55 | Rs. 95,118 | Rs. 5.90 Cr | Rs. 5.13 Cr | 115% |
Built for Nepal — modest 6% inflation, 12% investment return assumption, and a 4% safe withdrawal rate in retirement. Adjust freely.
About this calculator
Formula: Corpus = Inflated Expenses × Annuity Factor; Projected = Σ Step-up SIP × (1+r)
Stop guessing whether you can retire at 50. This simulator inflates today's expenses to your retirement age, calculates the corpus your post-retirement withdrawals need, and shows whether your current SIP will get you there.
How to Use
Drag the age and retirement-age sliders, enter monthly expenses and your SIP plan. The verdict tells you on-track / behind / ahead.
Corpus = Inflated Expenses × Annuity Factor; Projected = Σ Step-up SIP × (1+r)
What is the Retirement Simulator (Nepal) — Can I Retire at 50??
Stop guessing whether you can retire at 50. This simulator inflates today's expenses to your retirement age, calculates the corpus your post-retirement withdrawals need, and shows whether your current SIP will get you there.
Simulate Nepali retirement with inflation, step-up SIP and post-retirement withdrawals — see if you can actually retire when you want.
It belongs to our life planners suite and is built to give you accurate answers along with the working steps, so you understand the method as well as the result.
How this calculator works
Internally, the Retirement Simulator (Nepal) — Can I Retire at 50? applies the formula Corpus = Inflated Expenses × Annuity Factor; Projected = Σ Step-up SIP × (1+r). Drag the age and retirement-age sliders, enter monthly expenses and your SIP plan. The verdict tells you on-track / behind / ahead.
The result and every step update instantly as you change the inputs, so you can compare scenarios without re-entering everything.
When to use it & tips
Use the Retirement Simulator (Nepal) — Can I Retire at 50? whenever you need a fast, reliable life planners answer with the steps shown. It works on phone, tablet, and desktop — no sign-up, no install.
Tip: Rough rule: 25× your annual retirement expenses, adjusted for inflation. If you spend Rs 50k/month today and retire in 25 years at 6% inflation, you'll need ~Rs 6-7 crore to support 25 years of withdrawals.
FAQs
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