Most retirement guesses are about a quarter of the real figure. These five tools use honest, current Indian assumptions — real inflation, a separate post-retirement return, and a longer life — so the number you walk away with is one you can plan around. Start with your Readiness Score, then go deeper.
One score, out of 100, that answers the only question that matters: on your current path, will your savings cover the retirement you want? Move the sliders and watch it update.
Three forces quietly pull the real target far above the back-of-the-envelope guess. Build a plan that ignores them and the money runs out exactly when you can least afford it to.
A lifestyle that costs ₹80,000 a month today can cost several times that by the time you retire. Over 25–30 years, even 6–7% inflation multiplies your required monthly income many times over.
Before retirement your money can sit in equity and grow ~11–12%. After, it shifts to safer, income-style assets nearer 6–7%. Planning both phases at one rate is the most common — and most expensive — mistake.
The famous "25× expenses / 4% rule" was built on US data. With India's higher inflation, longer lives and no real state pension for most, planners lean to a 3–3.5% withdrawal rate — roughly 28 to 33 times your annual spend.
Assumptions used across these tools: long-run inflation 6%, pre-retirement return ~11–12% (equity-led), post-retirement return ~6.5% (income-led), life expectancy 85. They are illustrative defaults you can change — not guarantees. Figures are estimates for planning, not advice.
Corpus & SIP, FIRE, NPS pension, and how long a corpus lasts. Every result updates live as you drag.
Assumes income-style ~6.5% returns after retirement and that the corpus is drawn down to near-zero over your planning horizon. Illustrative only.
Lean, regular and "fat" FIRE differ only by the spend you plug in. A lower withdrawal rate (bigger multiple) buys more safety against Indian inflation. Illustrative only.
At superannuation, government subscribers must annuitise ≥40% of the corpus; recent reforms let many non-government subscribers take up to 80% as a tax-free lump sum (annuitise ≥20%). Pension income is taxable. Section 80CCD tax benefits may apply. Illustrative only.
A Systematic Withdrawal Plan (SWP) draws a regular income from your corpus while the balance stays invested. Sequence-of-returns risk means real outcomes vary; treat this as a planning guide. Illustrative only.
Use these tools as much as you like — then sit with someone who does this full-time. We pair the projection with real schemes across eight fund houses, an execution plan, and a person who answers the phone.
Share a few details and an AMFI-registered distributor will walk you through your Readiness Score, the gaps, and exactly how to close them. We'll call within one business day.