Retirement Calculator — AND Fintech

👋 Step 1 · Who Are You?

Let's get to know you

Your personal details help us personalise your retirement journey.

Full Name *

Current Age *

Retirement Age *

Life Expectancy *

Email Address *

Phone Number *

💰 Step 2 · Your Wealth

What do you own today?

Enter current balances across all asset classes. Enter 0 if not applicable.

Savings & Deposits

Fixed Deposits (₹)

₹

Cash / Savings A/C (₹)

₹

Market Investments

Mutual Funds / Equity (₹)

₹

Bonds / Debentures (₹)

₹

Liabilities

Loan Outstanding (₹)

₹

Remaining Tenure (yrs)

Interest Rate (% p.a.)

%

📊 Step 3 · Cash Flow

Income & Spending

Tell us about your current earnings, taxes, and lifestyle spending.

Annual Income (₹) *

₹

Annual Expenses (₹) *

₹

Pre-Retirement Tax Rate (%)

%

Your effective income-tax rate. New regime: 0 / 5 / 10 / 15 / 20 / 30%.

Post-Retirement Tax Rate (%)

%

Tax on retirement withdrawals / returns. Often 0 for most retirees.

Post-Retirement Annual Expense (₹, today's ₹) *

₹

Enter what you'd spend per year if you retired today. Both pre- and post-retirement expenses are assumed to grow at 6% inflation annually.

Equity Allocation (% of Net Savings in Equity)

Remaining goes into debt (FDs, bonds, PPF). Most planners suggest 60–80% equity for long-term goals.

⚙️ Step 4 · Growth Rates

Investment Return Setup

Fine-tune your return expectations. Expenses (pre & post retirement) are assumed to grow at 6% inflation annually.

Inflation Rate (% p.a.)

%

ℹ Preset at 6% · RBI long-term average

Adjust if your outlook differs. This rate is applied to both your pre- and post-retirement expenses.

Pre-Retirement NW Growth Rate (% p.a.)

💡 Suggested rate based on your allocation: Equity (13% long-term) + Debt (7%) → Blended return = 11.0% · Slider is set to this. You can adjust freely.

Post-Retirement Corpus Growth Rate (% p.a.)

Return your retirement corpus earns while you draw from it. Conservative debt-heavy portfolios: 6–8%.

🎉

Retirement Corpus Needed

₹0

Corpus required at retirement · Inflation-adjusted for 30 post-retirement years

—

Years to Retirement

—

Net Worth Today

—

Projected Corpus

—

Corpus Gap

—

Additional Monthly SIP Needed

Savings SIP (existing)

—

Additional SIP needed

—

Total SIP /month

—

Corpus Comparison — Your Mix vs 100% Equity

Your Mix · 70% Eq / 30% Debt

Projected corpus with your
chosen allocation

—

Growth rate: —

100% Equity · 13% p.a.

Projected corpus with
full equity investment

—

Growth rate: 13.0%

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Net Worth Growth — Today to Retirement

● Projected Net Worth ● Corpus Required (target)