Apps · Financial Planning

Retirement Planner

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.
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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.
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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.
%
0%10%20%30%40%
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.
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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.
%
0%10%20%30%40%
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.
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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.
%
0%10%20%30%40%
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).
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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.
%
0%10%20%30%40%
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.
%
0%10%20%30%40%
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.
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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.
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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.
%
0%10%20%30%40%
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.
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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.
%
0%10%20%30%40%
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.
%
0%10%20%30%40%
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.
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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.
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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
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Fill in at least Current Portfolio or Monthly SIP and a valid Retirement Year in Section 1 to see your projected corpus here.

U. Total Retirement Fund Through Investment
₹0
SIP Portfolio + EPF Corpus + NPS Corpus
SIP Portfolio
₹0
EPF Corpus
₹0
NPS Corpus
₹0

📊 Year-wise Corpus Growth (Accumulation Phase)

Free Retirement Planner & Financial Planning Calculator for India

This free retirement planner calculates your complete retirement corpus across three pillars: Personal Investments (SIP, mutual funds, ETFs, index funds), Employer Provident Fund (401k USA · EPF India · Superannuation Australia · CPF Singapore), and Pension Scheme (IRA/Roth IRA USA · NPS India · SIPP UK · PRSA Ireland). It then simulates your withdrawal phase — accounting for inflation, planned withdrawals, and post-retirement growth — to tell you exactly how long your corpus will last.

📈 Investment Portfolio Calculator

Calculate the future value of your regular monthly investments (SIP, index fund auto-invest, or recurring deposit) with annual step-up, one-off lumpsum injections, and a configurable growth rate. Uses correct monthly compounding.

🏛️ Provident Fund Projection (401k / EPF / CPF)

Project your employer provident fund balance at retirement — works for 401k (USA), EPF (India), Superannuation (Australia), CPF (Singapore), or any fixed/variable-rate employer savings scheme with combined employee+employer contributions.

🌿 Pension Scheme Calculator (IRA / NPS / SIPP)

Calculate your pension scheme corpus — IRA/Roth IRA (USA), NPS Tier-I (India), SIPP (UK), or PRSA (Ireland). Supports monthly contributions, optional annual lumpsum (e.g. for tax efficiency), and configurable growth based on your equity/debt allocation.

💸 Withdrawal Simulation

Simulate your post-retirement drawdown month by month. Adjusts your pension for inflation each month, applies your post-retirement corpus growth rate, and shows exactly when (if ever) your corpus runs out.

Frequently Asked Questions — Retirement & Financial Planning

How much do I need to save for retirement? +

The widely used 25x rule suggests saving 25× your expected annual retirement expenses. Example: if you need $4,000/month ($48,000/year), target a corpus of $1.2 million. In higher-inflation countries (e.g. India, Brazil), many planners recommend 30×. Use this calculator to simulate your situation — the withdrawal planner shows exactly if your corpus survives to your pension end year.

How much should I invest monthly for retirement? +

There's no single answer — it depends on your age, retirement target, income, and expected returns. A widely-cited guideline is to invest at least 15–20% of your gross income for retirement. The power of regular investing lies in compounding and annual step-up — even a 10% yearly increase in your monthly investment can dramatically grow your corpus over 20–25 years. Enter your numbers in Section 1 to see the impact instantly.

How does inflation affect my retirement savings? +

Inflation gradually erodes purchasing power. At 3% inflation (typical in USA/Europe), costs double every ~24 years; at 6% (India, Brazil), every ~12 years. If you need $3,000/month today and retire in 20 years at 3% inflation, you'll actually need ~$5,400/month. This planner automatically inflates your pension requirement from today's value to retirement and continues adjusting it every month throughout the withdrawal phase.

What is the difference between provident fund, pension scheme, and investment portfolio? +

Provident Fund (EPF/401k/CPF/Superannuation) is employer-linked with predictable, lower-risk returns — the foundation of retirement savings. Pension Scheme (NPS/IRA/SIPP) is market-linked with equity and debt options, offering higher growth potential and tax efficiency. Personal Investment Portfolio (mutual funds, ETFs, SIP) is the most flexible — no lock-in, potentially highest long-term returns, but subject to market risk. A healthy retirement plan uses all three for diversification.

Is this retirement planner free? Do I need to sign up? +

Yes — completely free, no sign-up, no data stored. All calculations happen in your browser. Nothing is sent to any server. You can bookmark the page and your inputs will reset each visit (no data is saved between sessions). This is a personal financial planning tool built for education and planning purposes — please consult a certified financial advisor before making investment decisions.

⚠ Disclaimer: This tool is for financial planning and educational purposes only. All projections are based on your inputs and assumed growth rates. Actual investment returns vary and are not guaranteed. This is not financial advice. Please consult a licensed financial advisor or certified financial planner in your country before making investment decisions.