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Retirement Planning · Readiness

Retirement Readiness Planner

See whether your savings and monthly contributions are projected to cover your retirement: a readiness score, the corpus you'll have versus the corpus you'll need, the surplus or shortfall, and the monthly saving that would put you on track.

Also listed inFinance & Investment

Your inputs

Quick start — try a typical case

years
years
years

₹ 20 lakh

EPF, PPF, NPS, mutual funds and other money set aside for retirement.

₹ 30 thousand

₹ 60 thousand

Your result Live

Retirement Readiness — On Track

98 / 100

Projected surplus of ₹1,55,22,049 at 60

Corpus You'll Need
₹6,88,29,085
Corpus You're Projected to Have
₹8,43,51,135
Projected Corpus in Today's Money
₹1,96,53,699
Total You'll Contribute
₹1,91,81,756
Investment Growth
₹6,51,69,379
Monthly Expenses at 60
₹2,57,512
  • Your contributions · 23%₹1,91,81,756
  • Growth · 77%₹6,51,69,379
Projected corpus by age

A planning estimate, not a guarantee: the score compares projected and required corpus (100 = at least 25 % more than needed). It is not a probability of success.

An estimate from the assumptions you entered, not a guaranteed outcome.

How this is calculated

Score = min(100, 100 × Projected ÷ (1.25 × Required)) · Projected = Savings × (1 + r/12)^m + Σ contributions grown monthly

Required
Corpus needed at retirement (see the Retirement Corpus Planner)
Projected
Savings plus monthly contributions grown at the pre-retirement return
Status
On Track ≥ 100 % of need · Needs Attention 85–100 % · Shortfall below 85 %

Two projections are compared. What you'll have: your savings and monthly contributions, growing until retirement. What you'll need: the corpus that funds your inflation-adjusted expenses until your planning age. The score turns the comparison into a simple 0–100 indicator, and if there's a shortfall the planner solves for the monthly saving that would close it.

Assumptions & sources

  • Savings grow monthly at the pre-retirement return ÷ 12, with contributions at the start of each month; any step-up applies every 12 months.
  • In retirement, monthly expenses (net of other income) are withdrawn and rise with inflation; the corpus needed is their present value at the real return, (1 + return) ÷ (1 + inflation) − 1, compounded monthly.
  • Returns and inflation are constant averages — real markets vary year to year, and a bad sequence early in retirement matters most.
  • Taxes on withdrawals and investment gains are not deducted.
  1. 1CFA Program Curriculum — Private Wealth Management: retirement planning and the time value of money — CFA Institute
  2. 2Retirement planning investor education — PFRDA — Pension Fund Regulatory and Development Authority
  3. 3Determining Withdrawal Rates Using Historical Data (Bengen, 1994) — Journal of Financial Planning

Calculator ID FIN-RETPLAN-READY-001 · version 2.0.0

Common questions

What does the readiness score mean?

It's a 0–100 indicator of projected versus required corpus — not a probability. 100 means you're projected to have at least 25 % more than you need; 80 means exactly enough; lower means a gap.

Why show both future and today's money?

A large future figure is misleading on its own because of inflation. The today's-money figure tells you what that corpus would buy at today's prices.

What if I'm behind?

The planner shows the monthly saving that would close the gap. Other levers: retire a little later, raise savings each year with your salary, or plan for lower expenses.