Use your own numbers to see what your current retirement plan may cover, the amount still needed and how the result changes when assumptions move.
Check your retirement plan
Start with the numbers you know today. You can change any assumption and calculate again.
Your timeline
Your retirement spending
Money for retirement
Growth assumptions
Add pension or other retirement amounts optional
Example numbers only show how the calculator works. They are not recommendations.
Your current plan may cover
This is a planning snapshot from your inputs and assumptions. It is not a retirement score or guarantee.
What changes by retirement?
Where your projected retirement money comes from
What this means
See how the result can move
These are simple sensitivity checks, not forecasts.
See how the retirement money may build up
What will this calculator tell me?
It compares two numbers: the retirement amount estimated from your spending and assumptions, and the amount your current retirement savings plus future monthly additions may grow to.
The result then shows how much of the estimated requirement may be covered, the difference between the two numbers and the extra fixed monthly amount that would mathematically close a gap under the same assumptions.
What monthly spending should I enter?
Use the regular spending you expect to continue in retirement. Food, utilities, travel, insurance, routine healthcare and home maintenance may continue. A home-loan EMI or school fee that should finish before retirement may not.
The point is not to enter every rupee you spend today. It is to enter a sensible estimate of the lifestyle costs retirement may still need to fund.
What should I count as money already saved for retirement?
Include money that is genuinely meant for retirement and that you expect to be available for retirement. That can include more than one account or investment type.
Do not count the same money twice. Money already reserved for a child's education, an emergency fund or another goal should not quietly become retirement money in this calculation too.
Should I include the home I live in?
A self-occupied home is part of your net worth, but it does not automatically pay retirement expenses.
If you expect to keep living there and do not plan to sell, downsize, rent it out or otherwise use its value for retirement, it is usually clearer not to include the full market value as spendable retirement money.
How does the calculator treat pension or other retirement income?
The optional pension field is entered in today's money. The calculator assumes that income broadly keeps pace with the inflation rate you entered, and it reduces the monthly amount that the retirement corpus needs to provide.
If your expected income is fixed or may not rise with inflation, use a lower number or leave it out and compare the result. Do not count both a pension income stream and the same money again as a lump-sum asset.
What does “plan until age” mean?
It is simply the age until which this calculation tries to cover retirement spending. Retirement at 60 and planning until 90 means a 30-year retirement period in the model.
It is not a prediction of lifespan. Change the age and see how much the estimated requirement moves.
What does the funding percentage mean?
If the calculator shows 80%, it means the projected retirement money is about 80% of the estimated requirement under the exact assumptions you entered.
It is not a score and it does not mean you have an 80% probability of retirement success. It is simply projected resources divided by the estimated requirement.
How is the retirement amount estimated?
First, today's monthly retirement spending is increased to your retirement age using the inflation rate you entered.
Then the calculator models monthly spending through the retirement period. Spending rises with inflation, while the remaining retirement corpus grows using the post-retirement growth rate you entered. Any pension income included reduces the monthly amount the corpus needs to provide. An optional one-time amount kept separate is added to the requirement.
How is my projected retirement money calculated?
Your current retirement savings are grown to the retirement age using the pre-retirement growth assumption. The monthly amount you add is also projected using the same assumption.
For the monthly calculation, each contribution is treated as being added at the beginning of the month. Any optional retirement lump sum is added at the retirement date and is not grown before that date.
Why should I change the assumptions and calculate again?
Retirement is a long calculation, so a small change in inflation, growth or retirement length can produce a large difference many years later.
The sensitivity cards are there to show this. They are not optimistic or pessimistic predictions. They simply help you see which assumptions your result depends on most.
Does 100% mean my retirement is guaranteed?
No. The calculator uses steady assumptions for inflation and growth. Real returns do not arrive in a straight line, expenses can change, healthcare costs can surprise you and tax or financial rules can change.
A 100% result only means the projected resources match the estimated requirement in this calculation. It is a useful planning snapshot, not a promise about the future.
Important things to remember
This calculator is for financial education and scenario testing. It does not recommend a fund, stock, asset allocation, return target or withdrawal strategy.
Taxes, market-return sequence, changing asset allocation, unexpected expenses and product-specific access rules are not fully modelled. If some retirement money will not actually be available at your retirement age, do not treat all of it as immediately spendable without separately planning for that gap.
The calculation happens in your browser. No phone number, email, PAN, UAN or bank login is needed.
About this result: The result uses the numbers and assumptions you enter. It is an estimate, not a prediction.