Your Personal Retirement Plan. Your exact gap, how to close it, and your year-by-year plan to 85.
All-in-one financial planning. No advisor calls. Your financial numbers never leave your device.
Medical & Education Inflation
Model healthcare and higher education inflation rates separately rather than flat assumptions.
Real Estate & Rental Yield
Simulate property purchases, rental income, and LTCG tax implications on your corpus.
Loans & Liabilities
Factor in Home, Car, and Personal Loans to ensure your timeline accounts for debt payoffs.
Children's Higher Education
Plan college and marriage expenses for up to 3 children with inflation-adjusted costs.
Personal Retirement Plan
Built from your own numbers, in minutes.
- ✓ Your exact fixes: invest more, retire later or spend less, with the amounts
- ✓ Your year-by-year plan to 85, as a PDF to keep
- ✓ 30 days of the full planner: compare 2 scenarios side by side
- ✓ Add home, car & personal loans, and property with rent and LTCG
- ✓ Plan children's education & marriage (up to 3 children)
- ✓ Separate medical & education inflation, and rebalancing
- ✓ Full year-by-year ledger, every year and asset
- ✓ Bonus: the 23-page ₹1 Crore Retirement Roadmap workbook
- ✓ All calculations stay on your device
Engineered for Advanced Wealth Modeling
Take your planning beyond basic calculations. PRO provides features designed to model real-world complexities.
Compare different scenarios side-by-side
Compare your base retirement plan against alternatives—like adding a side-gig or surviving an inflation shock—all layered on a single chart.
Account for Capital Gains Tax (LTCG)
Automatically calculate and deduct Long-Term Capital Gains tax (12.5% or custom) upon property sale so your net proceeds and cash flows are realistic.
Plan for higher medical & education costs
Standard calculators assume a flat inflation rate. Pro lets you apply different inflation rates to lifestyle (6%), children's education (10%), and healthcare (12%) so you never run out of money.
Protect your gains automatically
See how moving money between equity and debt each year helps you lock in stock market gains, buy the dips, and make your savings last years longer.
Download your clean, shareable plan
Get a clear, professional PDF report of your custom retirement plan, net worth curves, and year-by-year projections to review with your family.
100% Client-Side Data Safety
Your planning data never leaves your device. All files and configurations are stored locally in your browser.
Unlock PRO Workspace
Get complete comparative scenarios, LTCG tax modeling, and custom inflation buckets.
Free Edition
Basic single-path modeling
- ✓ Basic single scenario chart
- ✕ Multi-scenario overlay
- ✕ Property sale capital gains tax (LTCG)
- ✕ Medical & education inflation
- ✕ Rebalancing & PDF exports
Free basic planner
Personal Retirement Plan
Full access to all comparative planning tools
- ✓ Your exact fixes and year-by-year plan (PDF)
- ✓ 30 days of the full planner, Scenario A vs B
- ✓ Loans, property, children and medical costs
- ✓ Bonus 23-page ₹1 Crore Roadmap workbook
One-time ₹99 • No auto-charge, no renewal
Already paid? . Pro works on any device you sign in on.
Is PRO Right For You?
Most users fall into one of these categories. See how PRO can help you plan with confidence.
Salaried Professional
You're asking:"Am I investing enough for retirement?"
- ✓ Calculate retirement age
- ✓ Find required corpus
- ✓ Determine ideal monthly SIP
Family Planner
You're asking:"Can I fund my children's education without compromising retirement?"
- ✓ Model education inflation separately
- ✓ Plan multiple child goals
- ✓ Stress-test long-term affordability
Investor & Wealth Builder
You're asking:"Which strategy leaves me with more wealth?"
- ✓ Compare multiple scenarios side-by-side
- ✓ Test rebalancing strategies
- ✓ Analyze LTCG impact on property sales
Future Home Buyer
You're asking:"Can I afford a house without hurting my future?"
- ✓ Model home loans
- ✓ Measure retirement impact
- ✓ Compare rent vs buy outcomes
Frequently Asked Questions
Q: Do you store my financial data?
No. All calculations run locally in your browser. Your data never leaves your device.
Q: Is this a subscription?
No. It's a one-time payment of ₹99 for your plan and 30 days of the full planner, with no auto-renewal.
Q: Will I receive marketing or advisory calls?
No. We never ask for your phone number to sign up or use the calculator, and we don't collect or sell leads. If you purchase Pro Pass, our payment partner Razorpay may request a mobile number to verify the transaction (required by RBI for card/UPI payments) — that number is handled directly by Razorpay and never reaches our systems or marketing lists.
Q: Do I need an account to use the calculator?
No, you can use the calculator without an account. To buy Pro you sign in with Google or an email and password first, so your purchase is saved to your account and works on any device you sign in on.
Q: Can I export my retirement plan?
Yes. Pro users can export professional PDF plans.
- ✓ No data uploads
- ✓ No advisor calls
- ✓ No phone numbers collected
100% Client-Side. 100% Private.
Your financial numbers never leave your device. Never sold. No compromises.