Your path to a stress-free retirement
Personal Details
Personal Details
Current Age
Retirement Age
Life Expectancy
Income & Investments
Monthly & Annual Investments (₹)
Monthly SIP / Investment
Monthly EPF / PPF Contribution
Added to EPF/SSY corpus each month at EPF/SSY rate.
Annual Lumpsum (bonus, gift, etc.)
Current Investments Breakdown
Asset Current Value (₹) Rate (% p.a.)
Equity / MF
At retirement →—
FD / Bonds / Debt Funds
At retirement →—
Savings / Liquid
At retirement →—
EPF/SSY
At retirement →—
* Only 90% of EPF/SSY corpus counted — full withdrawal restricted under EPFO rules.
Real-estate
Sell at age proceeds → equity corpus
At retirement →—
■ Equity — ■ FD — ■ Savings — ■ EPF/SSY — ■ Real-estate —
Total Investments —
One-Time Income
Expenses & Liabilities
Monthly Expenses & Liabilities (₹)
Current Monthly Expenses
Current Loan EMIs
EMI Stop at Age
Freed EMI amount is added to monthly SIP after this age.
One-Time Expenses
Growth Assumptions
Growth Assumptions (%)
Equity Return (% p.a.)
Annual SIP Step-up (%)
Inflation (% p.a.)
Post-Retirement Return (%)
Overview
Wealth Chart
Milestones
✅
On Track
Retirement Number
—
Target corpus at retirement
Projected Corpus
—
at retirement age
Coverage Ratio
—
projected ÷ Retirement target
Extra SIP Needed
—
additional per month
Key Figures
Accumulation Withdrawal Retirement Achieved Retirement One-time Expense
Age Equity / MF FD / Bonds Savings EPF/SSY (90%) Real-estate Net Worth Retirement Target Notes
Suggested Asset Allocation
Current — Age 30 (actual)
80% Equity 20% Debt
At Retirement — Age 50 (recommended)
40% Equity 60% Debt
Glide path: ≤30 → 85% · ≤40 → 75% · ≤50 → 60% · ≤60 → 45% · 60+ → 30% equity