RetireProThe uncomfortable math
Most Indians know they should plan. Almost none have run the numbers.
of Indians have no retirement corpus
Source: PFRDA Annual Report 2023–24
more corpus needed if you start at 40 vs 30
Source: Compounding at 12% CAGR
of retirees depend on family for money
Source: HSBC Future of Retirement India
Built for India. Designed for clarity.
The only planner that accounts for EPF, NPS, SIP, Indian inflation, joint spouses, children's education, and career breaks — all at once.
Year-by-Year Projections
Every year from now to age 90 — when your corpus peaks, when it runs out, and the exact gap size.
Joint Spouse Planning
Model both partners independently — different retirement ages, incomes, and timelines, one unified plan.
Children's Goals
Education, marriage, and lump-sum goals — inflation-adjusted to the exact year they're needed.
India-Specific
EPF, NPS tiers, ELSS, Indian inflation, post-retirement returns — not US-default assumptions.
Loans & Sabbaticals
Model EMIs that end mid-plan and career breaks where savings pause but corpus keeps growing.
PDF & Excel Export
Download your full plan as a professional report or spreadsheet to share with your advisor.
Your plan, explained in plain language.
Not generic advice — specific insights about your numbers, surfacing the one move that matters most.
From zero to full plan in 60 seconds.
Tell it your life
Age, income, expenses, savings, children, loans — the full picture.
See your gap
Year-by-year corpus projection — when it peaks, when it runs out, how big the gap is.
Act on it
Tweak inputs in real-time and watch how small changes close the gap dramatically.
Build Your Complete Retirement Plan
EPF & NPS balances · Joint spouse · Children's education · Loans — all in one calculation. Takes 60 seconds.
Calculate My Retirement GapWhat changed after they saw their number.
"I had three SIPs and thought I was set. RetirePro showed my corpus runs out at 72. I added ₹8,000/month that week. That one calculation changed everything."
"My husband and I argued endlessly about how much was 'enough'. We plugged in our numbers — gap was ₹1.8 Cr. We stopped arguing and started planning."
"I'm self-employed — no EPF, no corporate NPS. This was the first planner that handled irregular income properly. My target retirement moved from 65 to 60."
India-specific retirement guides
Written in plain language, grounded in real numbers.
76% of Indians will retire without a plan.
Not because they didn't earn enough — because they never sat down with the real numbers.
Has an SIP running. Never checked if it adds up.
26 years left. Still very fixable — but compounding won't wait.
EPF, NPS, mutual funds all in different places. Never seen the full picture.
18 years left. Every year of drift costs multiples.
Realised retirement is 12 years away, not 'sometime in the future'.
The gap is still closable — if you start now.
Get a free review from an
AMFI-registered advisor.
Leave your details and an advisor from Nidesh Financial will call you back within one business day — no pushy sales, just personalised guidance on your SIPs, asset allocation, and funding gap.
Helped me realise I was saving ₹20k/mo less than I needed. Changed my SIP overnight.
— Ankit R., Pune
Finally understood what my corpus gap meant and how to close it. Super helpful!
— Meera S., Bengaluru
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Your 65-year-old self
is counting on today's you.
Build a complete retirement plan — free, no account, no commitment.