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Full Retirement Planner

Include children, mini-retirement, EMI and more — get a complete personalised plan instantly.

Children's education & marriage costsMini-retirement / career breakExisting loan EMI impactYear-by-year projectionsFunding gap analysis
What's your situation?
Retirement lifestyle goal
Pick the lifestyle you want in retirement — this sets a target expense level.
Basic Information
Get started with the essentials for your retirement planning

Only users aged 18 or older can use RetirePro.

Target Retirement Age
yrs
Early (40)Late (75)

Default is 60 for India-based plans

Spouse / Partner (Optional)
Add your spouse's income to include both incomes in the household projection.
Financial Overview
Your current income, expenses, and how much you invest each month
Existing EMIOptional
Monthly Savings / InvestmentAuto
₹0/month

Calculated as Income − Expenses.

Salary Growth AssumptionOptional
Annual salary growth
%
0% (flat)20%

Average Indian salary hike is 8–10% / year

Children (Optional)
Add children to automatically mark education and marriage milestones on your projection chart
No children added. Education 🎓 and marriage 💍 milestones will appear on the chart when you add a child.
Custom Goals (Optional)
Add any major financial goal (home renovation, world trip, business launch, etc.)
No custom goals added. Add a goal and it will appear as a 📍 milestone on your retirement projection chart.
Current Assets & Retirement Accounts
Your existing savings, investments, and retirement account balances

Mutual funds, FDs, stocks, etc.

Typically 12–14% for equity-heavy mutual funds.

Check your UAN passbook for balance.

EPFO declares 8–8.5% most years.

From your CRA / NPS account statement.

Varies 8–12% based on your equity allocation.

EPF Monthly ContributionOptional
₹/month

Your + employer's EPF deduction. Deducted from Monthly Savings above.

NPS Monthly ContributionOptional
₹/month

Your monthly NPS deduction (80CCD(1B) gives extra ₹50,000 tax benefit). Deducted from Monthly Savings above.

Mini Retirement (Optional)
Planning a career break or sabbatical? During this period, no new savings will be added — your portfolio will only grow through investment returns.
What does a 3-year break actually cost?
Planning Assumptions
Adjust these to match your expectations — smart defaults applied
Annual Inflation
%
3% (optimistic)12% (severe)

Historical India CPI averages 5–7%. Retirement planning typically uses 6–7%.

Pre-retirement Investment Return
%
4% (FD-only)18% (aggressive)

Nifty 50 has returned ~13% CAGR over 20 years. 10–12% is a balanced assumption.

Post-retirement Investment Return
%
3% (bonds only)12%

Conservative 6–8% is recommended for post-retirement (debt-heavy allocation).

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