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Retirement Planner

Enter your monthly income, expenses, and savings to get a retirement recommendation.

Beginner mode shows only the most useful fields.

1. Enter essential income

Start with your salary, housing, and savings.

2. Add expenses that matter

Basic monthly costs are shown first; unlock more with advanced mode.

3. See your retirement age

The app recommends a retirement age and shows your funding gap.

Planning assumptions (Age: 35)

%
%

Moderate Strategy

Allocations
large Cap
50%
(11%)
mid Cap
35%
(13%)
small Cap
15%
(15%)
Auto-selected based on your age.
Pick "Custom" to set your own allocation.

Income & savings

Enter salary, rent, and other monthly income for your basic retirement plan.

₹242,600/mo (estimated)

Your Housing Situation

Stops completely when you retire

Income from your own property — continues after retirement

Current Investments

Total current value of all your mutual fund holdings

Total current market value of your stock portfolio

Total current balance held in PF / PPF

Advanced income details are hidden in beginner mode. Switch on advanced settings for salary hike and taxes.

Other Income Sources

Add freelance work, dividends, pension, etc. — these continue after retirement.

Monthly Expenses

₹195,000/mo total

Loans / EMIs

Monthly EMI (₹)

Years remaining

Total active EMIs: ₹100,000/mo

Monthly Expenses (grow with inflation each year)

Variable expenses are inflated at 5%/yr in the projection.

The Plan

Assumes funds last till age 100
Blended Return
12.30%

50% Large(11%) + 35% Mid(13%) + 15% Small(15%)

Annual Income
₹2,911,200

Salary ₹3L/yr + Rent ₹151K/yr (post-tax)

Annual Expense
₹2,424,000

Living ₹1L/yr + Loans ₹1L/yr + Education ₹24K/yr + Travel ₹12K/yr + Health shocks ₹24K/yr + Emergency buffer ₹24K/yr

Annual Savings
₹487,200

You save ₹40,600/mo · Income − Expense

Lumpsum (MF + Stocks + PF/PPF)
₹2,500,000

MF ₹1,300,000 + Stocks ₹1,200,000 + PF/PPF ₹0 — invested from day 1

Debt-free target2046

Shows the latest year by which all active loans are planned to end.

Monthly SIP

Your monthly surplus, invested automatically

₹40,600
50% → Large Cap₹20,300
35% → Mid Cap₹14,210
15% → Small Cap₹6,090

Children Planning

One-time drawdowns for graduation & marriage

Add a child to model one-time drawdowns for graduation (at age 18) and marriage (at age 26), inflation-adjusted to those future years.

What-if plans

Save alternate “what-if” plans and compare them back-to-back with your main strategy.

Quick what-if presets

Saved Scenarios

Compare plans

Current plan

Age: N/A

Income: ₹2,911,200

Expense: ₹2,424,000

Baseline

Age: 64

Income: ₹2,911,200

Expense: ₹2,424,000

Recommended Retirement Age

Use the recommendation panel to understand your best retirement age and the margin around it.

Recommended Retirement Age

—

Current corpus / expense

₹2,500,000 corpus

₹2,424,000 annual expenses

1 years of coverage at today’s expense level.

Debt-free target: 2046

Why this age?

  • • Projected corpus at retirement: ₹2,500,000
  • • Current annual expenses: ₹2,424,000
  • • Expected funds will last until age 100

Retire earlier / later comparison

Your retirement projection

Includes income tax at 30% and capital gains tax at 20%. Post-retirement expenses grow at 4% annually, and retirement returns are adjusted by 2%.

Peak Wealth

₹0

at age 0

Final Value

₹0

at age 100

Retirement Age

N/A

Status

Sufficient

Funds last till age 100

|36
|40
|45
|50
|55
|60
|65
|70
|75
|80
|85
|90
|95
|100
Aggressive
36
Recommended
35
Conservative
37
53/100

FIRE Score

53 / 100

Needs Attention — A few changes help a lot.

Retire at 60 · 25 years away · Corpus lasts to 100

Savings Rate

17%

Decent — could be higher

Corpus Health

Healthy

₹0 left at age 100

Passive Income

6% covered

Mostly dependent on savings

No projection data available