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Estimate future expenses, the corpus required, your funding gap and an indicative monthly investment—with assumptions you can see and change.
Your inputs stay in your browser
Use post-tax return assumptions. Try a conservative case after your base case.
This calculator uses a growing-annuity present-value model. It assumes smooth annual returns and inflation; real markets and spending are uneven. It excludes tax-rule modelling, fees and product recommendations. Results are educational illustrations, not guarantees.
Reasonable spending, longevity and post-tax return assumptions.
Higher inflation, lower returns and a longer life.
A contribution and retirement date you can actually maintain.
It inflates today's expenses to retirement, subtracts the entered pension, and calculates the present value at retirement of increasing annual withdrawals over the selected retirement period. It then adds the separate healthcare reserve.
Use an expected post-tax portfolio return, not the return of the best-performing product. Test a lower-return case because actual returns will be uneven and uncertain.
Include the current value of goal-linked NPS, EPF and other retirement assets in current corpus. Enter a pension only if it will be a separate monthly income; do not count the same asset twice.
No. Calculations run locally in your browser and the page does not require personal identifiers or account information.