Nifty 50 — 20yr: doubled every 6–7 years. We assume 12.5%/yr.
🏦 FD / PPF / Bonds20%
Safe, predictable: FDs 6.5–7.5%; PPF 7.1% tax-free. We assume 7%.
🪙 Gold10%
Inflation hedge: Gold in ₹ grew ~11%/yr last decade. SGBs pay 2.5% extra.
🏠 Property / REITs10%
Real estate India: values grow 7–9%/yr + rental 2–3%. We assume 9%.
Total allocated100%✓ Perfect
⚠ Your allocation adds up to 100%. Please adjust to exactly 100%.
Expected yearly growth
11.4%
Weighted average across your portfolio
Growth after inflation
5.4%
What your money actually grows in real terms
3
Spend planner — now vs retirement
Fill in what you spend now, then adjust retirement column for how your lifestyle will change.
Less commuting, more travel. Be honest — this directly sets your retirement goal.
Category
Now / month
In retirement
Change
Total
₹0
₹0
Use ₹0/month as my retirement goal →
Updates your monthly goal in Step 4 automatically
→
💡 Spending Account tip
Your emergency buffer could be earning for you
Your monthly spend is ₹—. Park 2 months of expenses in a Multipl Spending Account
and earn more than a regular savings account. 7% liquid fund vs 3.5% savings account assumption
How much do you want to spend every month after you retire?
Think in today's money. Include rent, food, travel, health, hobbies — everything. Be realistic.
₹80,000
₹10K/mo₹5L/mo₹10L/mo
Quick select:
Expected inflation (how fast prices rise)6%
India average: ~6% per year. ₹80K today = ₹1.43L in 10 years at 6%.
2% (low)6% India avg10% (high)
ADVANCEDHow long should your savings last? — Withdrawal strategy
✓ Using 3.5% yearly withdrawals — recommended for India
▾
In retirement, you'll withdraw a portion of your savings each year to live on.
The lower the percentage you take out, the longer your money lasts — but you'll need a bigger savings target.
We recommend 3.5% for India because inflation here is higher than in the West, and you may need savings to last 40–50 years.
4%/year
—
savings needed
Aggressive
Works if you retire at 50+ with a shorter horizon. Risky for early retirees — India's inflation can eat savings faster.
3.5%/year
—
savings needed
✓ Recommended for India
The sweet spot for India. Accounts for high inflation, a 40+ year retirement, and no government pension.
3%/year
—
savings needed
Very Safe
If you're retiring very early (35–40) or want maximum buffer for healthcare, family, or emergencies.
