Apps · Financial Planning
Retirement Planner
About this app & usage notes →
Calculate your total retirement corpus across your investment portfolio, employer provident fund, and pension scheme. Works globally — enter amounts in your local currency. See exactly how much you'll build by retirement and how long it will last.
100% private & browser-based. All calculations run entirely on your device — no data is ever sent to any server, stored, or shared. You can use this tool freely without any concern for your financial privacy or data security.
⚠️ Disclaimer: This tool is for illustrative and educational purposes only. Projections are estimates based on your inputs and assumed growth rates. Actual investment returns are not guaranteed and may vary. This is not financial advice — please consult a licensed financial advisor in your country before making investment decisions.
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Section 1 — Personal Investment Portfolio
Your personal investment portfolio and regular monthly investment plan (e.g. SIP, mutual funds, ETFs)
A. Current Portfolio Value
The current total market value of your personal investment portfolio — mutual funds, stocks, ETFs, index funds, etc. Do not include employer provident fund or pension scheme balances here.
₹
B. Monthly Investment Amount
The fixed amount you invest each month into your portfolio (e.g. via SIP, auto-invest, or recurring deposit). Calculation assumes 12 full monthly investments per year starting January of the current year.
₹
C. Yearly Step-up in Monthly Investment
The percentage by which you plan to increase your monthly investment each year (step-up). For example, at 10% step-up, a monthly investment of $1,000 becomes $1,100 next year. This reflects rising income over time.
D. Additional Yearly Lumpsum
A fixed additional amount you invest in bulk each year — from an annual bonus, tax refund, or savings surplus. Enter 0 if not applicable.
₹
E. Yearly Increase in Lumpsum
The percentage by which your annual lump sum investment grows each year, reflecting an increasing investable surplus as your income grows.
E(1). Irregular Planned Lumpsum Investments
One-off lump sum investments planned before retirement — e.g. proceeds from selling an asset, inheritance, stock vesting (RSUs/ESOPs), or any windfall. Each grows at the Field G portfolio rate from the invested month until retirement. Up to 5 entries.
₹
F. Retirement Year
The year you plan to retire and stop making new regular contributions. All investments are assumed to grow through the end of this year.
G. Expected Yearly Portfolio Growth
The conservative annual growth rate you expect for your investment portfolio. Typical ranges: diversified equity funds 8–12% (developed markets), 10–14% (emerging markets). Be conservative. Monthly rate is calculated as (1 + annual rate)^(1/12) − 1 for accurate compounding.
H · Final Investment Corpus at Retirement
Projected SIP Portfolio Value
Current portfolio + Monthly SIP + Annual lumpsum + Irregular investments · compounded at Field G rate
₹ —
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Section 2A — Employer Provident Fund (EPF / 401k equivalent)
Your employer-linked retirement savings fund — EPF (India), 401k (USA), Superannuation (Australia), CPF (Singapore), or equivalent
I. Current Provident Fund Balance
The current total balance in your employer provident fund account. Check your latest statement, HR portal, or payslip — e.g. EPF (India), 401k (USA), Superannuation (Australia), CPF (Singapore).
₹
J. Total Monthly Provident Fund Contribution
The combined monthly contribution from you and your employer into the provident fund. In India this is ~24% of basic salary (12% each); in the USA employer 401k match varies; in Australia superannuation is ~11% of gross salary. Check your payslip.
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K. Yearly Increase in Provident Fund Contribution
The percentage by which your provident fund contribution grows each year, in line with salary increments. For example, a 10% salary increase generally results in ~10% higher provident fund contribution.
L. Provident Fund Annual Interest Rate
The annual interest or growth rate credited to your provident fund balance. Examples: EPF India ~8.25% p.a.; 401k long-term average ~7–9% (market-linked); CPF Singapore ~2.5–4%; Superannuation Australia ~7–9%. Use a conservative estimate.
M · Final EPF Corpus at Retirement
Projected EPF Balance
Current balance + monthly contributions · compounded at EPF interest rate
₹ —
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Section 2B — Pension / Annuity Scheme (NPS equivalent)
Your government or private pension/annuity scheme — NPS (India), IRA/Roth IRA (USA), SIPP (UK), or equivalent
N. Current Pension Scheme Balance
The current total value of your pension or annuity scheme account. Examples: NPS Tier-I (India), IRA / Roth IRA (USA), SIPP (UK), Personal Retirement Savings Account (Ireland). Check your latest statement.
₹
O. Total Monthly Pension Contribution
The total monthly contribution to your pension scheme from you and your employer combined. For example, India NPS corporate: 10% of basic each from employee and employer; USA 401k: varies by plan. Check your payslip or plan documents.
₹
P. Yearly Increase in Pension Contribution
The annual percentage increase in your pension contribution, in line with salary or income growth. Applies to both employee and employer portions where applicable.
Q. Additional Yearly Pension Lumpsum
An optional extra lump sum contributed to your pension scheme each year — for tax efficiency or to accelerate corpus growth. Examples: NPS extra contribution in India; IRA annual top-up in USA; SIPP additional contribution in UK. Check your local tax-saving pension contribution limits. Enter 0 if not applicable.
₹
R. Yearly Increase in Pension Lumpsum
The annual growth rate for your optional pension lump sum contribution, reflecting rising income and increasing capacity to save for retirement over time.
S. Pension Scheme Annual Growth Rate
The expected annual growth rate of your pension scheme portfolio. Returns depend on asset allocation (equity / bonds / government securities). Typical blended rates: NPS India ~10–12%; IRA USA ~7–9%; SIPP UK ~6–9%. Use a conservative estimate.
T · Final NPS Corpus at Retirement
Projected NPS Balance
Current balance + monthly contributions + annual lumpsum · compounded at NPS growth rate
₹ —
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Section 3 — Withdrawal Plan
How long will your retirement corpus last? Plan your monthly pension and lump sum withdrawals.
V. Expected Monthly Pension
The monthly amount you need to live comfortably in retirement, expressed in today's money (current value). Inflation is applied automatically to project the actual required amount at retirement.
₹
X. Average Yearly Inflation
The average annual inflation rate used to grow your required monthly pension over time. Global averages: USA ~2–3%, UK ~2–3%, India ~5–6%, Australia ~2–3%, Canada ~2–3%. Your personal lifestyle inflation may be higher.
%
Y. Pension End Year
The year until which you want your pension to last. Must be within 50 years of your retirement year (Field F). If the corpus depletes before this year, we'll show you exactly when.
Z. Lumpsum Withdrawal at Retirement
A one-time lump sum you plan to withdraw from your corpus at retirement — for a home purchase, family event, travel, etc. Note: many pension schemes restrict lump sum withdrawals (e.g. NPS India: max 60%; UK pension: max 25% tax-free). Check your scheme's rules.
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AA. Additional Planned Lumpsum Withdrawals
Planned lump sum withdrawals during retirement — e.g. a major purchase, medical expense, or family event. Enter the amount and month-year for each. These are deducted from your corpus in the simulation. Up to 5 entries.
₹
AB. Post-Retirement Corpus Growth Rate
The annual rate at which your remaining retirement corpus continues to grow through conservative post-retirement investments — bonds, fixed deposits, balanced funds, or annuities. Typical range: 4–7%. This growth offsets withdrawals and extends longevity.
%
AC · Required Corpus at Retirement
Total Corpus Needed to Fund Your Pension
Present value at retirement of all future pension withdrawals until pension end year · accounts for inflation, corpus growth rate & planned lump sum withdrawals
₹ —
U. Total Retirement Fund Through Investment
₹0
SIP Portfolio + EPF Corpus + NPS Corpus
SIP Portfolio
₹0
EPF Corpus
₹0
NPS Corpus
₹0