About

About the Retirement Planner

The Retirement Planner is a free, no‑signup tool that answers one deceptively simple question: will your savings last through retirement? You enter your age, savings, income, spending, and a few assumptions about growth and inflation, and it projects your money forward year by year — showing the corpus you will have at retirement, the balance left at your chosen life expectancy, and the age your money would run out, if it ever does.

How the projection works

The planner runs a straightforward year‑by‑year simulation in two phases. While you are working, it grows your existing corpus at your pre‑retirement return, adds each year's savings (income minus expenses), and lets both income and expenses rise with your chosen growth and inflation rates. After you retire, it stops the salary, keeps investing the remaining corpus at your post‑retirement return, and draws down living expenses that continue to rise with inflation. If you add a pension or other passive income, that is credited to the corpus every year too.

What the NPV chart shows

Alongside the main corpus chart, the planner shows a second graph: the Net Present Value (NPV) of your corpus. This is simply your future money expressed in today’s value. A rupee ten or twenty years from now will not buy what a rupee buys today, because of inflation — so a corpus that looks enormous in future terms is worth less in the money you understand right now.

The NPV chart discounts each year’s closing balance back to the present using a discount rate, which the planner defaults to a weighted average of your inflation assumptions. You can drag the discount‑rate slider to see how sensitive the picture is: a higher rate shrinks the present value more, and a rate of zero makes the NPV line match the raw corpus exactly. The “NPV of corpus at retirement” figure is the most useful single takeaway — where the headline corpus number tells you the future rupee amount, its NPV tells you what that same pot would feel like if you held it in your hand today, which is often far more intuitive.

Assumptions and limits

All growth, inflation, and return rates are treated as steady yearly averages — real markets are far bumpier.
Taxes are assumed to be already reflected in the figures you enter (post‑tax income and post‑tax returns).
It does not model one‑off windfalls, healthcare shocks, property sales, or changing life stages beyond what you enter.
Currency and units are cosmetic: choose your country to set the symbol and the money unit. India uses Lakhs and Crore; other countries use thousands and millions.

Because of these simplifications, the output is best used to explore directions — how retiring a few years later, saving more, or trimming expenses changes your outcome — rather than as a precise forecast.

Not financial advice

This tool is for education and personal exploration only. It is not financial, investment, tax, or legal advice, and it is not a substitute for a qualified, licensed advisor who knows your full situation. Any decisions you make are your own responsibility. Please verify important numbers with a professional before acting on them.

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