Retirement Calculator — Plan Your Retirement Corpus

👤 Step 1 · About You

Let's get to know you

Full Name *

Current Age *

Retirement Age *

Life Expectancy *

Email Address *

Phone Number *

💰 Step 2 · What You Own

What do you own today?

Enter current balances across all asset classes in INR Lacs, eg for 1 Cr put 100

Savings & Deposits

Fixed Deposits (₹ Lacs)

₹

Cash / Savings A/C (₹ Lacs)

₹

Market Investments

Mutual Funds / Equity (₹ Lacs)

₹

Bonds / Debentures (₹ Lacs)

₹

Real Assets

Real Estate — excl. self-occupied home (₹ Lacs)

₹

Investment/rental property only — exclude your primary residence

Gold, REITs & Alternatives (₹ Lacs)

₹

Liabilities

Loan Outstanding (₹ Lacs)

₹

Remaining Tenure (yrs)

Interest Rate (% p.a.)

%

Live Net Worth Snapshot

₹0 L

Net Worth

FD & Cash₹0 L

Equity & MF₹0 L

Bonds & Fixed Inc.₹0 L

Real Estate₹0 L

Gold & Alts₹0 L

Loans (−)−₹0 L

Net Worth ₹0 L

📊 Step 3 · Your Savings

Income & Spending

Tell us about your current earnings, taxes, and lifestyle spending. Enter all values in INR Lacs.

Annual Income (₹ Lacs) *

₹

Annual Expenses (₹ Lacs) *

₹

Pre-Retirement Tax Rate (%)

%

Your effective income-tax rate. New regime: 0 / 5 / 10 / 15 / 20 / 30%.

Post-Retirement Tax Rate (%)

%

Tax on retirement withdrawals / returns. Often 0 for most retirees.

Post-Retirement Annual Expense (₹ Lacs, today's ₹) *

₹

Enter what you'd spend per year if you retired today. Both pre- and post-retirement expenses are assumed to grow at 6% inflation annually.

Equity Allocation (% of Net Savings in Equity)

Remaining goes into debt (FDs, bonds, PPF). Most planners suggest 60–80% equity for long-term goals.

⚙️ Step 4 · Growth Rates

Investment Return

Fine-tune your expected return rates for pre and post retirement periods.

Inflation Rate (% p.a.)

%

Suggested long-term average at 6%

Future Savings Growth Rate (% p.a.) — applied to new SIP / monthly investments

💡 Suggested rate based on your future allocation: Equity (13% long-term) + Debt (7%) → Blended = 11.0% · You can adjust freely.

Post-Retirement Net Worth Growth Rate (% p.a.)

Return your Net Worth earns while you draw from it. Suggestive rates 6–8%.

🎯 Step 5 · Life Goals

Major Life Goals

Add any large one-time expenses planned during your life — child's education, wedding, world tour, property purchase. Each goal is inflated at 6% p.a. to its target year and shown as a dip on your wealth journey chart.

No goals added yet — click below to add a major life event. Goals are optional.

🎉

Required Net Worth at Retirement

₹0

Inflation-adjusted for 30 post-retirement years

—

Years to Retirement

—

Net Worth Today

—

Projected Net Worth

Net Worth Gap

—

Additional Monthly Investment Needed

—

Current Investments

—

Total Monthly Investment Needed
—

Net Worth Comparison — Your Mix vs 100% Equity

Your Mix · 70% Eq / 30% Debt

Projected Net Worth with your
chosen allocation

—

Growth rate: —

100% Equity · 13% p.a.

Projected Net Worth with
full equity investment

—

Growth rate: 13.0%

—

Net Worth Journey — Today to Life Expectancy

● Net Worth Growing (Pre-Retirement) - - Net Worth Drawdown (Retirement) ● Net Worth Target