My Retirement Plan
Enter your details once. Get your Retirement Readiness Score, monthly savings gap, EPF projection, NPS estimate, and SWP sustainability — all in one view. No other Indian calculator does this.
How This Retirement Dashboard Works
Most retirement calculators ask one question at a time. This dashboard is different — you enter your profile once and every module recalculates in real time. The Readiness Score tells you at a glance whether you are on track. The Monthly Gap tells you exactly what to do about it.
Target Corpus (25× Rule):
Projected Corpus (SIP + Savings + EPF):
Readiness Score:
EPF grows at 8.25% p.a. (EPFO declared rate, FY 2025-26). NPS projected at 10% p.a. (Tier-I equity-heavy allocation). Monthly rate r = Annual Rate ÷ 12 ÷ 100.
Understanding Your Readiness Score
The score is a ratio of your projected total corpus (savings growth + SIP returns + EPF) against your inflation-adjusted retirement corpus target. A score of 80 means your current trajectory will get you to 80% of your required corpus — a shortfall worth addressing now rather than later.
A score above 100 means you are fully funded — your existing savings trajectory plus EPF will cover your retirement corpus without any additional monthly SIP. In practice, most Indian salaried professionals in their 30s score between 40–70, with the gap closable through consistent SIP contributions of ₹15,000–₹40,000 per month depending on age and income.
A widely used rule is 25× your annual expenses at retirement — the 4% safe withdrawal rate. But since expenses grow with inflation, the target must be calculated in future rupees, not today’s. At 7% inflation, ₹50,000/month today becomes ₹2.71 lakh/month in 25 years, requiring a corpus of approximately ₹8.1 crore. Read the full breakdown in how much retirement corpus is enough.
A score of 80+ is healthy — it means you are on track to fund at least 80% of your retirement target. A score of 100+ means your current savings trajectory fully covers your target. Scores below 60 signal a meaningful gap that should be addressed by increasing your monthly SIP, reducing expenses, or both. Even closing the gap by ₹5,000/month early can shift the score by 15–20 points due to compounding.
EPF is projected at 8.25% p.a., the rate declared by EPFO for FY 2025-26. The formula grows your current EPF balance at this rate and adds the future value of your ongoing monthly contributions (employee + employer combined). The result is your estimated EPF corpus at retirement — typically the single largest guaranteed component of an Indian salaried person’s retirement portfolio. For a detailed breakdown, use our EPF Calculator.
The NPS module assumes you invest 10% of your monthly income in NPS Tier-I with an equity-heavy allocation (Active Choice LC75), projected at 10% p.a. At maturity, 60% of the NPS corpus is available as tax-free lumpsum; the remaining 40% is mandatorily used to buy an annuity. The monthly pension shown is an estimate assuming a 6% annuity rate on the 40% annuity portion. Actual returns depend on fund manager performance. Use our NPS Calculator for detailed projections.
The SWP module applies the 4% safe withdrawal rate to your projected corpus. This means you can withdraw 4% of your corpus annually — or ≈0.333% per month — without depleting it over a 25–30 year retirement. The figure shown is the maximum monthly withdrawal your projected corpus can sustainably support. If it falls below your inflation-adjusted monthly expenses, you have a shortfall. Learn more about safe withdrawal rates for India or use the full SWP Calculator.