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Advanced Retirement Planning Calculator

This version answers the questions that matter: how much you'll need, how much you're on track to have, the gap, and what to do about it. Assets grow at their own returns, a self-occupied home is excluded from your corpus by default, liabilities are captured, and only the money you actually invest is counted.

Profile & horizon iYour currency, ages, inflation and how long the plan should last.

Your currency, ages and how long the plan should last.

Country / currency i

Current age Years i

Retirement age Must be > current age i

Plan until age Life expectancy i

Longevity buffer Extra years, optional i

Legacy to leave In today's money, optional i

₹Lakh

Plan jointly with spouse / partner

Income & what you actually invest iYour income and, separately, what you genuinely invest each month.

We do not assume your whole surplus is invested — enter what you genuinely put away each month.

Net monthly income Take-home, all sources i

₹Lakh

Actual monthly investment SIP / recurring i

₹Lakh

Annual step-up % increase each year i

Annual lump-sum investment Bonus, etc. (optional) i

₹Lakh

Assets & liabilities iWhat you own and owe. Each asset grows at its own return; a self-occupied home is excluded from the corpus by default.

Each asset grows at its own return. A self-occupied home is excluded from your corpus by default — untick or tick “in corpus” to control this per asset.

AssetCategoryValue todayPre-ret %Post-ret %In corpus

Liabilities: the EMI reduces your monthly surplus; the balance lowers your net worth. Balances aren't deducted from your corpus unless you model a payoff.

LiabilityOutstandingEMI / monthRate %Payoff agePrepayPrepay age

Gross assets

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Liabilities

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Net worth

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Investable for retirement

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Excluded (e.g. home)

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Blended return pre/post

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Property plans iHow each property is treated — retain, rent, sell or downsize.

How each property is treated. A retained self-occupied home stays out of the corpus; renting adds retirement income; selling or downsizing adds a one-time inflow at the chosen age (net of ~2% costs and any loan).

PropertyValue todayLoan outstandingPlanAt ageRent/mo or downsize %Growth %

Monthly spending today iSet what each category becomes in retirement as a percentage. Inflation is taken from Section 01 (pre/post).

Set what each category becomes in retirement as a percentage (e.g. travel 120%, work-commute 0%). Medical can carry its own higher inflation.

CategoryMonthly nowIn retirement %Inflation pre-ret % iInflation post-ret % i

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Guaranteed retirement income iPension, annuity or rent received in retirement — this lowers the corpus you need.

Pension, annuity or rent received in retirement — this reduces how much your corpus must cover.

SourceMonthly amountGrowth %From age

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One-time cash flows iBig one-off inflows and outflows at specific ages.

Big one-off events. Tick “funded” only if paid from money kept outside this plan.

EventIn / outAmount todayAt ageInfl %Funded

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Your results

Required corpus at retirement

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Projected corpus at retirement

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Surplus / shortfall

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vs. required

Funding ratio

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projected ÷ required

Corpus depletion age

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base case

Balance at planning age

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base case

What can you do?

Calculated from your actual plan — not generic advice.

Retirement income snapshot

First year of retirement, in future money.

Expected expenses

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Guaranteed income

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Portfolio withdrawal

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Initial withdrawal rate

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Corpus over your lifetime — three scenarios

Conservative lowers returns and raises inflation by 2 points; Optimistic does the reverse. Stress tests, not probabilities.

BaseConservativeOptimisticRequired

Log scale Hide conservative Hide optimistic

Corpus in today’s money (NPV)

Your base-case corpus discounted back to today’s purchasing power. Discounting at inflation shows real value; a higher rate reflects an opportunity cost.

Discount rate i % p.a.

Year-by-year projection

Full ledger in nominal (future) money, with a today's-money closing column. Export it for your records.

How these calculations work

The engine runs a month-by-month simulation. Annual returns and inflation are converted to monthly rates with (1+r)^(1/12)−1. Each month it grows the balance (positive balances only), adds your actual investments and any retirement income, subtracts inflated expenses, and applies one-time events on their due month.

Required corpus is found by reverse-simulation: we search for the smallest corpus at retirement that funds every inflated expense (net of retirement income and events) through your planning age and still leaves your legacy target. Projected corpus compounds today's investable assets plus your actual contributions to retirement age. The gap and funding ratio compare the two, and the extra monthly investment is solved so projected meets required.

A self-occupied home is excluded from the corpus by default. Liabilities affect net worth and monthly surplus but aren't deducted from the corpus unless you model a payoff. Scenarios are deterministic stress tests. Values shown are nominal (future money); required-vs-projected are compared at the same point in time.

Disclaimer. This is a planning tool using your assumptions, not guaranteed returns or financial advice. Real outcomes vary with markets, taxes, longevity and life changes. Verify important decisions with a qualified advisor. Tax is not included: these calculations do not account for income tax, capital‑gains tax, or any deductions or exemptions, which can materially change the result. Consider your own tax position and consult a tax professional.

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