Free Indian retirement calculators
Know your number.
Plan your retirement.
Work out the corpus you actually need after inflation, see how much monthly income it can generate, and find out how long your money is likely to last. No sign-up, no sales pitch, and nothing you type ever leaves your browser.
Three questions, answered with your own numbers
Everything on this site exists to answer one of these. Nothing on it will tell you which fund or stock to buy.
How much do I need?
Your expenses, inflated to your retirement date, then capitalised across every year you expect to live. The answer is rarely a round crore.
Retirement corpus calculatorHow do I generate income?
Systematic withdrawals, dividends, distributions and interest all behave differently — in cash flow, in tax and in how much control you keep.
Dividend income calculatorWill it last?
Withdrawal rates, inflation, longevity and the order in which returns arrive. The uncomfortable questions, run against your own figures.
SWP calculatorThe calculators
Every tool runs on the same calculation engine, so no two answers contradict each other.
Retirement Corpus
RetirementHow 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.
SWP
IncomeHow 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.
Dividend Income
IncomeHow 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.
SIP
InvestingWhat 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.
Inflation
RiskWhat 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.
Lumpsum
InvestingWhat 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.
What if?
The value of a projection is not the number it produces. It is how much that number moves when you change one assumption. Every calculator here is built to be argued with.
Popular guides
The mechanics behind the numbers, written to be read next to the calculators. New guides published weekly.
Retirement
Retiring at 50: What It Actually Takes
Ten fewer working years and ten more retired ones — how that trade shows up in the numbers.
Retirement
Retiring at 40: What It Actually Takes
The maths of an unusually long retirement, and the assumptions that matter most.
Retirement
How Inflation Affects Your Retirement
Why the single biggest risk to a retirement plan is the one that shows up every year without fail.
Retirement
How Much Money Do I Need to Retire?
The arithmetic behind the number, and why round figures like "1 crore" are usually the wrong way to think about it.
Retirement
What Is a Retirement Corpus?
The capital that has to fund every year you are not earning — and how it differs from savings.
SWP
What Is SWP and How Does It Work?
The mechanics of a Systematic Withdrawal Plan, how it is taxed, and how it differs from a fixed monthly payout.
See the full backlogRetirement, SWP, dividends, REITs, FIRE and moreHow we work
One engine, no contradictions
The corpus calculator and the SWP calculator run the same month-by-month simulation. One is the other solved backwards, so they can never disagree about the same plan.
Read the methodology →Assumptions on the surface
Every rate is an input you control, shown next to the result it produces. We publish where our conventions differ from other calculators and by how much, rather than quietly picking the flattering one.
Editorial policy →Calculations, not recommendations
We do not suggest funds, stocks or asset allocations, and we never will. This is a place to understand the arithmetic of your own situation before you make decisions about it.
Disclaimer →Coming next
We would rather ship a small number of calculators that are genuinely right than a large number that are nearly right. These are in the queue.
Plan Retirement is an independent education and calculation site. It is not a broker, distributor, investment adviser or research analyst, and it does not sell financial products.