Retirement Planner

Extra investments, expenses and SIP pauses use fixed months from plan start and future-rupee amounts. Investments and pre-retirement expenses settle at the beginning of the month. Retirement expense shortfalls, including events after income offsets, follow the selected beginning- or end-of-month withdrawal setting. Pauses affect only regular SIPs before retirement; the original step-up calendar continues. The detailed corpus includes retirement event cash flows, while the Quick 25× target remains a separate spending benchmark. Unfunded events before retirement are reported separately, without creating debt or pretending they were paid.

The tool scans every whole age from your current age through age 100, stopping before the selected plan-until age. It uses detailed cash flows, reprices expenses and retirement benefits, keeps pension start ages and life-event dates fixed, and checks contribution limits. An age qualifies only when the target including the reserve is funded and no expense shortfall occurs before or during retirement. Applying an age explicitly selects Detailed plan.

The tool delays regular SIPs by one, three or five years without changing retirement age or the plan-until age. Existing savings stay invested; benefits and events keep their dates. Annual SIP increases start one year after the delayed contribution start. The catch-up SIP matches the start-today projected corpus and funds event expenses. It is not the required SIP for the retirement target.

The detailed plan discounts each future monthly expense shortfall at your selected post-retirement monthly return, from retirement until your plan-until age. A protected reserve is added separately. Expenses and income increases occur on annual anniversaries. Withdrawals default to the beginning of each month; V3 can explicitly select the end of each month.

The quick target is 25 times the first year’s gross annual retirement expenses, plus your reserve. Income, the plan-until age and later returns do not change this benchmark. The separate withdrawal illustration still uses those inputs. The benchmark is not a guaranteed sustainable withdrawal rate.

The upgraded page starts in Detailed plan mode with annualized returns and an explicit retirement horizon. The earlier planner used a 25× expense target and nominal returns divided by 12. Select Quick 25× estimate and Nominal in Calculation settings to reproduce the earlier basic method when extra expenses, income, benefits and reserve are zero.

The calculator subtracts the future value of earmarked savings and expected retirement benefits from the target. It then solves for a starting monthly investment including contribution timing and annual SIP increases. The answer is rounded up to a whole rupee. Future monthly contributions must stay within ₹5 lakh.

Pension or other income is entered as the monthly amount at its start age, in future rupees, with an optional annual increase. It offsets expenses only during retirement; any excess income is not reinvested. The retirement lump sum is added once at retirement. Do not include the same asset in both savings and benefits.

The reserve is an amount in future rupees held aside at retirement. It earns no return and is never used for regular expenses in this model. A spending shortfall can therefore occur while some reserve remains. The required corpus includes both the expense-funding amount and the reserve.

Yes. Set retirement age equal to current age. Existing earmarked savings and the lump sum are available now, and no new monthly contributions are included. If a funding gap remains, there is no required-SIP solution because no saving period remains.

Living expenses use separate inflation assumptions before and during retirement. Optional extra annual expenses are spread over 12 months. Optional healthcare spending uses its own annual inflation assumption. Today’s purchasing-power view discounts the retirement corpus using pre-retirement inflation. Enter returns after estimated taxes. With an explicit V3 portfolio fee, enter returns before that fee; with a zero fee, net-of-fee assumptions are appropriate. No automatic tax or product-specific withdrawal rules are applied.

No. The base path uses hypothetical constant returns; explicit stress paths use a stated sequence of annual returns converted into monthly growth. Actual losses, return sequence, longevity, taxes and changing expenses can alter the result. Funded percentage compares two model values and is not a probability of success. Lower-return and higher-inflation scenarios illustrate sensitivity, not predicted outcomes.

Calculations run in your browser without an account. Named plans store up to 20 scenarios in this browser, including life events. The previous five-plan storage is migrated without deleting it. Dated progress remains attached to its saved plan. Older saved plans and shared links still load. A share link contains the inputs and event names, so anyone with the link can read them. CSV exports include assumptions, events and annual cash flows. Print produces a summary of the current plan.