Know your number.
Plan your retirement.

How much do I need to retire?

Work out the corpus your retirement will actually cost after inflation, what your current plan is on track to build, and the gap between the two.

How long will my corpus last?

Simulate a systematic withdrawal plan month by month, with withdrawals that rise each year, and see the point at which the corpus runs dry.

How much income can my investment generate?

Estimate annual, quarterly and monthly distribution income at a chosen yield, and see how growing distributions lift yield on cost over time.

What will my monthly investment grow to?

Project a monthly investment forward, with an optional annual step-up, and see how much of the final value is your money versus growth.

What will my expenses cost later?

Enter your household budget line by line, apply a different rate to categories like healthcare, and see the monthly figure you would need later.

What will a one-time investment grow to?

Project a single lump sum investment forward at a chosen return, and see it in today's purchasing power after inflation.

How much income can my corpus produce?

Turn a corpus into a sustainable monthly income figure.

Am I on track?

Compare the corpus you need against the corpus you are on track to build.

What is my FIRE number?

Financial independence targets at different withdrawal rates.

How much capital do I need for a target income?

Reverse the dividend maths from the income you want.

What will a fixed deposit pay?

Interest income on a deposit, before and after tax.

What can REIT distributions pay?

Distribution income from listed REIT units.

What withdrawal rate is sustainable?

Test withdrawal rates against a range of return assumptions.

What if markets fall early in retirement?

Sequence-of-returns stress test on a drawdown plan.

What return did I actually earn?

Compound annual growth rate between two values.

What is my return on irregular investments?

Annualised return across dated cash flows.

How much of my NPS corpus can I actually take home?

Project your NPS corpus and split it into lump sum and annuity under the PFRDA exit rules amended in December 2025 — with the tax on each portion.

Annuity or SWP — which suits my corpus?

Compare an immediate annuity against a systematic withdrawal plan, both starting from the same monthly payout, side by side on tax, inflation and capital.

What does my return actually buy after tax and inflation?

FD, SCSS, POMIS, debt fund and equity fund, compared after tax and inflation — not the quoted rate.

How much gratuity will I get, and how much is taxed?

Gratuity payable under the 15/26 formula, and how much of it is exempt under the lifetime ₹20 lakh cap.

How much should I set aside for healthcare in retirement?

A separate medical corpus using healthcare-specific inflation, projected premiums, and whether your sum insured still covers a major event decades from now.

How much does our household need, until the second of us is gone?

Model a household corpus that funds two people while both are alive, then a reduced expense for whichever partner lives longer.

What will my EPF balance be at retirement?

Employee, employer and EPS split, the ₹15,000 wage ceiling, and the current 8.25% interest rate, projected to retirement.

What does working one more year actually do to my plan?

Extra contributions, extra growth, and one fewer year of withdrawals — the combined effect of delaying retirement, quantified.

New regime or old — which actually costs less?

A full FY 2025-26 income-tax computation, slab by slab, for both regimes side by side — standard deduction, the Sec 87A rebate with marginal relief, 4% cess, and every deduction that still applies.