Hi umesh,

Whilst you've identified inflation, you seem to have omitted income from the invested superannuation. This will have a significant effect on the retirement savings. If you want to calculate the retirement savings in today's values, simply ignore the effects of inflation on the income and calculate the retirement savings on the basis of the difference between the inflation rate and investment rate of return.

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Cheers,
Paul Edstein
[Fmr MS MVP - Word]