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Retirement Readiness Planner
It depends on retirement age, spending, inflation, EPF, NPS, employer superannuation, other assets marked for retirement, expected pension income, and how long the money needs to last. Use the tool below to compare required corpus with projected sources and stress-test the gap.
Step 1 - spending target
Use current expenses and desired retirement lifestyle. The planner inflates today's spending to retirement and then estimates the corpus needed through life expectancy.
Step 2 - retirement sources
EPF, NPS, superannuation and other assets are projected separately. EPS or other pension is treated as income, not as investible corpus.
₹33,73,410/year first-year retirement expense
EPF, NPS, superannuation and marked retirement assets
₹19,77,775 surplus at retirement
This is a calculation scenario, not a SIP recommendation.
At the entered assumptions, projected retirement resources cover about 102% of the estimated need from age 60 to 85.
EPF interest is user-adjustable. EPFO's Central Board of Trustees recommended 8.25% for FY 2025-26; final credited interest and future rates are not guaranteed. NPS is projected as corpus first because exit and annuity treatment depend on account type and applicable rules.
View methodologyNot every expense carries into retirement in the same way. This bridge converts today's spending categories into an estimated retirement lifestyle in today's rupees before inflation is applied.
| Expense category | Today | Retirement weight | Retirement need today |
|---|---|---|---|
| EssentialsFood, utilities, transport, domestic help, and household basics normally continue. | ₹45,000/mo | 100% | ₹45,000/mo |
| LifestyleSome work-linked spending may reduce, while hobbies and travel may continue. | ₹15,000/mo | 80% | ₹12,000/mo |
| Housing EMIAssumes the home loan is closed before retirement. Keep it if that is not true. | ₹0/mo | 0% | ₹0/mo |
| Dependent supportSupport may reduce as children become independent, but parents or family needs can remain. | ₹5,000/mo | 50% | ₹2,500/mo |
| HealthcareMedical spending often needs a higher retirement weight. | ₹5,000/mo | 120% | ₹6,000/mo |
Retirement lifestyle estimate before inflation: ₹65,500/month.
| Source | Current balance growth | Future contributions | Projected value |
|---|---|---|---|
| EPF / VPF | ₹87,07,207 | ₹1,28,75,120 | ₹2,15,82,327 |
| NPS Tier I | ₹37,92,147 | ₹1,45,27,159 | ₹1,83,19,306 |
| Employer superannuation | ₹0 | ₹0 | ₹0 |
| Other marked retirement assets | ₹1,29,06,191 | ₹2,89,83,101 | ₹4,18,89,291 |
Gap: ₹6,23,45,925. Monthly: ₹40,124/mo.
Gap: ₹0. Monthly: ₹0.
Gap: ₹0. Monthly: ₹0.
Gap: ₹1,55,30,572. Monthly: ₹10,793/mo.
Gap: ₹1,11,13,256. Monthly: ₹5,355/mo.
Gap: ₹3,02,85,560. Monthly: ₹14,593/mo.
Gap: ₹3,44,61,771. Monthly: ₹22,178/mo.
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