๐Ÿ’ก For faster entry โ€” , fill the yellow cells, then upload using any "Import โ†‘" button below.
Step 1 of 4 โ€” About you

Tell us about yourself

Type rough estimates โ€” they're fine to start. All amounts are in Indian Rupees (โ‚น) unless a label says otherwise.

Enter the full amount in rupees. Example: โ‚น25 Lakh = 2500000  ยท  โ‚น1 Crore = 10000000

Import salary automatically

Upload Form 16 or AIS PDF โ€” we extract your income. Or download our Excel template for all fields at once.

Food + utilities + EMIs + school + transport โ€” all combined
Photography ๐Ÿ“ท
Travel โœˆ๏ธ
Writing โœ๏ธ
Consulting ๐Ÿ’ก
Farming ๐ŸŒฑ
Music ๐ŸŽต
Teaching ๐ŸŽ“
Startup ๐Ÿš€
Art ๐ŸŽจ
Cooking ๐Ÿณ
Other
Age 45
Age 50
Age 55
Age 58
Age 60
Don't worry โ€” the calculator will also tell you the earliest financially safe age based on your numbers, and ask if you want to retire earlier.
~3 minutes total

Your assets & investments

All amounts in โ‚น Rupees. Enter the full number โ€” e.g. โ‚น50 Lakh = 5000000. Rough estimates are fine.

๐Ÿ  Real estate+
Commercial / rental properties combined
๐Ÿ’ผ EPF / NPS / PPF (retirement savings)+
Check your passbook / HR portal for current balances

Import EPF balance automatically

Upload EPFO passbook PDF โ€” we extract your balance.

From EPFO portal or payslip
From eNPS portal
From passbook
Your share + employer share combined from payslip
75% in equity (stocks) 25% in bonds
What does this mean? NPS lets you split your money between stocks (higher growth, more risk) and bonds (safer, lower growth). Most people under 50 choose 75% in stocks. If you're unsure, leave it at 75.
To check: login to enps.nsdl.com โ†’ your account โ†’ Active choice shows the % split.
๐Ÿ“ˆ Stocks & Mutual Funds+

Choose how much detail to enter. You can always start simple and add more later.

Quick entry
Just total values โ€” takes 30 seconds
Detailed entry
Stock & fund names โ€” for portfolio health check
Enter total current market values

Import portfolio automatically

Upload INDmoney/CRED export, demat statement, CAS PDF, or our Excel template.

Current market value of all shares in your demat account
Current value of all MF units across all funds
๐Ÿฆ Fixed Deposits & Savings+
Enter total balance values

Import FD details

Upload your bank FD summary Excel or our Excel template.

FDs in spouse name are more tax-efficient if spouse has no income

Your retirement goals

Last step. The calculator will find your natural retirement age first, then ask if you want to go earlier.

Include travel, hobbies, lifestyle โ€” aim generously. Inflation-adjust: add 30% to today's expenses.
Only field in Crore โ€” e.g. enter 2 for โ‚น2 Crore cover
Only field in Lakh โ€” e.g. enter 25 for โ‚น25 Lakh cover
Calculating your natural retirement age...