Will your money last after 60?
60-second assessment. Clear gaps. Practical next steps.
Enter your details
Keep it simple. We use these inputs to build your AI retirement plan.
Your retirement plan summary
A simple, clear view of where you stand and what to improve.
Complete step 1 to see your AI verdict.
How this retirement calculator works
This retirement calculator is built to keep the inputs simple and the logic transparent. We start with your current monthly expenses and project them forward using your inflation assumption. That gives an estimate of what your annual expenses could look like at your target retirement age. To translate that number into a required retirement corpus, we apply the commonly used 4% rule (also called the safe withdrawal rate). In simple terms, this rule suggests that you can withdraw about 4% of your retirement corpus each year without running out of money too early. That means the calculator estimates the corpus by dividing your first-year retirement expenses by 0.04 (or multiplying by 25). This is not a guarantee, but it is a widely used planning baseline.
On the savings side, we project your existing savings and monthly SIP contributions forward using compound growth. The expected return rate you enter is converted to a monthly rate, and the calculator uses standard future value formulas for both your current corpus and monthly contributions. The difference between what you may need and what you are projected to accumulate becomes your estimated shortfall. A readiness score is then computed as the percentage of the required corpus you are likely to achieve. The visual charts show how your projected savings and required corpus evolve over time so you can see whether your plan stays aligned.
This tool is designed for clarity, not complexity. It does not account for taxes, changes in income, or investment fees, and it assumes steady contributions and steady returns. If your situation changes, run the calculator again and adjust your plan. Think of it as a starting point to understand whether your current saving habit is enough for a comfortable retirement, and what levers—like savings rate, retirement age, or expense control—make the biggest difference.
Frequently asked questions
Is the 4% rule safe for India?
The 4% rule is a global planning guideline, not a guarantee. It is useful for a baseline, but you should adjust for your personal risk, inflation expectations, and investment mix. Consider a more conservative withdrawal rate if you prefer higher safety.
What return rate should I use?
Use a long-term expected return based on your asset allocation. Equity-heavy portfolios might average 10-12%, while conservative portfolios may be lower. If unsure, start with 8-10% and run a sensitivity check.
Why does inflation matter so much?
Inflation raises the cost of living every year. A plan that looks sufficient today can fall short decades later if you don’t account for rising expenses. This calculator uses your inflation input to project future expenses.