Fill in your numbers below and we'll tell you exactly how much to save, how long it takes, and what lifestyle you can afford in retirement. Takes 2 minutes.
1
Where are you today?
Your age28 yrs
1855
Money already saved / invested₹10L
Add up your mutual funds, FDs, stocks, PF — everything
Nifty 50 — 20yr: doubled every 6–7 years. We assume 12.5%/yr.
🏦 FD / PPF / Bonds20%
Safe, predictable: Bank FDs 6.5–7.5%/yr. PPF 7.1% tax-free. We assume 7%.
🪙 Gold10%
Inflation hedge: Gold in ₹ has grown ~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.
Total allocated100%✓ Perfect
⚠ Allocation adds up to 100%. Adjust to exactly 100%.
Expected yearly growth
11.4% per year
Weighted average across your portfolio
Growth after inflation
7.4% per year
What your money actually grows in real terms
3
What do you spend today — and in retirement?
Fill in what you spend now — the retirement column pre-fills with the same number.
Then only adjust the categories you know will change. Each has a hint to guide you.
Category
What you spend now
In retirement
Monthly total
₹0
₹0
Use ₹0/month as my retirement goal →
Updates your monthly goal in Step 4 automatically
→
💛 Multipl Spending Account Tip
Your emergency buffer could be working harder
You should keep 2 months of expenses as an emergency buffer. Instead of letting it sit idle in a savings account, park it in a Multipl Spending Account and earn more on it.
Park this much
₹—
2 months of your spend
Extra earned / yr
₹—
vs a regular savings account
Return boost
3.5%
liquid fund vs savings account
4
What do you want in retirement?
How much do you want to spend every month after you retire?
Think in today's money. Include rent or EMI, food, travel, health insurance, hobbies, dining out — everything. Be realistic, not optimistic.
₹80,000
₹10K/mo₹5L/mo₹10L/mo
Expected inflation (how fast prices rise)4%
India average: ~6% per year. ₹80,000 today = ₹1,18,368 in 10 years at 4%.
2% (low)6% India avg10% (high)
ADVANCEDWithdrawal strategy — how long should your savings last?
✓ 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 %, the longer your money lasts — but you need a bigger savings target.
We recommend 3.5% for India because inflation is higher and retirement may last 40–50 years.
4%/year
—
savings needed
Aggressive
Works if retiring at 50+. Risky for early retirees — India's inflation can erode savings faster.
3.5%/year
—
savings needed
✓ Recommended for India
Sweet spot for India. Accounts for high inflation, 40+ year retirement, no government pension.
3%/year
—
savings needed
Very Safe
Retiring very early (35–40) or want maximum buffer for healthcare and emergencies.
Your retirement options — pick the lifestyle that fits
Your retirement savings target
—
Based on ₹80,000/month · 3.5% yearly withdrawals
You can retire in
—
—
What you can spend monthly
—
—
You invest monthly (now)
—
—
Your savings growth over time
Your portfolio
Retirement target
📍 The two lines cross at the point you can retire — that's your FIRE date
