INCOME TAX
Retirement Calculator
Connect expenses, inflation, existing savings and future income to a retirement scenario.
Browser-only calculation: your inputs stay in this browser. Educational estimates; verify eligibility and current official rules before acting.
Full tax computation
| Computation | Old regime | New regime |
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Detailed calculation breakdown
Explore the projection schedule
Illustrative values based on the assumptions above.
UNDERSTAND THE CALCULATION
How to use Retirement Calculator
Connect expenses, inflation, existing savings and future income to a retirement scenario.
Inputs and definitions
Current spending, years to retirement, inflation, existing corpus, contributions, other income and planning age.
Method and formula
Project retirement spending, compare future resources with modeled withdrawals and show the funding gap under the selected return and inflation assumptions.
Illustrative example
₹6 lakh annual spending becomes about ₹9.77 lakh in ten years with assumed 5% inflation. A longer retirement or lower return can materially raise the funding need.
COMMON QUESTIONS
Before you use the result.
Is the retirement corpus a guaranteed safe amount?
No. It is the amount under the chosen spending, longevity, inflation and return assumptions. Uneven market returns, health costs, taxes and living longer can materially change the outcome.
Why are pre-retirement and post-retirement returns separate?
The saving and withdrawal phases have different cash flows and may use different assumptions. A high growth-phase assumption should not automatically be carried into a retirement withdrawal plan.
How should I enter pension or other retirement income?
Use only the supported income fields and their stated timing and increase assumptions. Avoid subtracting it from spending and also entering it as income, which would count it twice.
Read these answers with the selected period, calculation scope and official sources below.
Scope and limitations
Change the assumptions and compare the funding gap. Planning age and investment returns are assumptions.
These examples explain the method. The interactive result depends on the selected facts and period, and is not a filing or an eligibility confirmation.
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