Most calculators use a flat "12% return, 6% inflation" slider built for a different country. Ours models Indian salaries, EPF/NPS compounding, and category-wise inflation — so the number you get is one you can actually plan around.
Assumes an 11% pre-retirement return. The 60-second check adds your savings and SIPs and shows your gap.
Start with the full workspace, or jump straight to the one variable you're trying to nail down.
Year-by-year cash flow with salary hikes, EPF, portfolio growth, and withdrawal runway — all in one dashboard.
Open workspace →Your Financial Independence number using an India-appropriate 3% safe withdrawal rate.
Calculate →Project your EPFO balance with salary hikes, VPF top-ups, and the notified interest rate.
Calculate →Estimate NPS maturity value, the 60% lump sum, and your monthly annuity payout.
Calculate →Grow your SIP with your salary: yearly table, lumpsum, today's-money value and the SIP for ₹1 crore.
Calculate →Monthly income from your corpus: how long it lasts with inflation, and the tax on each withdrawal.
Calculate →See what today's expenses become in 10, 20, or 30 years at Indian inflation rates.
Calculate →Model different early-exit ages and see how each one changes your required corpus.
Calculate →Work backward from your savings rate to the earliest date you could realistically retire.
Calculate →The inflation-adjusted annuity-due method, explained and calculated step by step.
Calculate →No sign-up, ever
One-time · saved to your account · no auto-renewal
EPF/VPF compounding at the notified rate, the ₹2.5L tax-free contribution cap, and NPS's 60/40 lump-sum-and-annuity split — not approximated.
Salary, savings, and EPFO balances are calculated client-side. Nothing is uploaded just to see a projection.
A flat 6% misses that healthcare compounds at 10-12%. The workspace lets you split them apart.
No phone number required, no mutual fund pitch at the end. The optional ₹99 Personal Retirement Plan is the entire business model.
Corpus, inflation, EPF, NPS, couples, NRIs — the starting point that links to every deeper guide on the site.
FIREA complete guide to the corpus, bridge portfolio, and Safe Withdrawal Rate needed to retire at age 40 in India, with a worked example and Gap Phase math.
Tax PlanningRetirals meaning explained: EPF, gratuity, superannuation, and employer NPS in your CTC — how each is taxed and why they matter for your retirement corpus.
Yes. Every calculator, the 60-second ₹1 crore check and the core retirement workspace (your salary, expenses, EPF, NPS and SIPs, the headline results and chart) are free with no sign-up. The optional ₹99 Personal Retirement Plan adds your exact fixes, a year-by-year PDF, and 30 days of the full planner with loans, property, children's costs and two-scenario comparison.
No. Open any calculator and start typing: your plan is saved in your browser automatically. To buy the ₹99 plan you sign in with Google or an email and password, so your purchase is saved to your account and works on any device.
It's built around EPF/NPS compounding, Indian salary-hike patterns, old-vs-new tax regime slabs, and a safe withdrawal rate suited to India's higher inflation — not a 4% rule imported from the US Trinity Study.
Start with the 60-second check: five questions tell you whether ₹1 crore is enough for you and how big your gap is. For the full picture, open the Retirement Workspace. If you're chasing one specific number (your FIRE target, your EPF balance, or how inflation erodes your budget), use that dedicated calculator.
Five questions tell you whether ₹1 crore is enough for you, what you'll really need, and how big your gap is. Private, free, and specific to India.