Plan your retirement with confidence. Calculate how much you need to save, project your retirement income, and achieve financial independence — with or without Social Security.
Pick Savings, Income, or FIRE based on your goal.
Set current age, retirement age, and life expectancy.
Enter savings, income, savings rate, and return assumptions.
See your nest egg, monthly income, and milestones.
💡 Pro Tip: Run the calculator twice — once with your current savings rate, and once with a rate 5% higher. The difference reveals the power of compound growth over 20–30 years.
A 50% match on 6% of salary is an instant 50% return — always contribute enough to capture the full match.
A portfolio of ₹1Cr supports ~₹4L/year (₹33,333/month) sustainably for 30 years. Use this to back-calculate your target.
At 2.5% inflation, ₹5,000/month today requires ~₹9,000/month in 30 years to buy the same goods.
Claiming at 62 reduces benefit by up to 30%. Waiting until 70 increases it by 8%/year beyond FRA.
Annual Expenses × 25 = FIRE number. Spending ₹40,000/year means you need ₹10,00,000 invested.
Roth contributions are after-tax but grow tax-free. If you expect higher taxes in retirement, Roth is often better.
This retirement calculator runs entirely in your web browser. No data is ever transmitted, stored, or logged by our servers. All calculations are instant and completely private.