Calculators
Every calculator here runs on one shared calculation engine, so the corpus you are told to build and the income it is later shown to produce are always the same arithmetic viewed from two directions. Nothing you enter is sent anywhere — the maths runs in your browser.
Retirement
How much you need, and whether you are on track to get there.
Retirement Corpus Calculator
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.
Retirement Income Calculator
How much income can my corpus produce?
Turn a corpus into a sustainable monthly income figure.
Retirement Gap Calculator
Am I on track?
Compare the corpus you need against the corpus you are on track to build.
FIRE Calculator
What is my FIRE number?
Financial independence targets at different withdrawal rates.
NPS Calculator
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.
Couple Retirement Calculator
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.
One More Year Calculator
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.
Income
Turning a corpus into a monthly income, and what each mechanism costs you.
SWP Calculator
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.
Dividend Income Calculator
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.
Dividend Corpus Calculator
How much capital do I need for a target income?
Reverse the dividend maths from the income you want.
FD Income Calculator
What will a fixed deposit pay?
Interest income on a deposit, before and after tax.
REIT Income Calculator
What can REIT distributions pay?
Distribution income from listed REIT units.
Annuity vs SWP Calculator
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.
Income Tax Calculator
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.
Investing
Building the corpus in the first place, and measuring what you earned.
SIP Calculator
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.
Lumpsum Calculator
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.
CAGR Calculator
What return did I actually earn?
Compound annual growth rate between two values.
XIRR Calculator
What is my return on irregular investments?
Annualised return across dated cash flows.
Gratuity Calculator
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.
EPF Calculator
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.
Risk
Inflation, longevity and market falls — the things that break otherwise sound plans.
Inflation Calculator
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.
Withdrawal Rate Calculator
What withdrawal rate is sustainable?
Test withdrawal rates against a range of return assumptions.
Market Crash Simulator
What if markets fall early in retirement?
Sequence-of-returns stress test on a drawdown plan.
Real Return Calculator
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.
Healthcare Cost Calculator
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.
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