Retirement calculator: will my money last?
Will my money last after I stop working?
Retiring at 60, planning to 85
Age 32 · ₹1.2 L a month · investing ₹25,000 a month · ₹15 L saved
On track. Your money lasts past 85 on the expected path. Keep the SIPs running and review once a year.
- Corpus coverage50/50
- Lasts to plan age25/25
- Health cover5/10
- Emergency fund10/10
- Goals5/5
Liquid wealth over time
Nominal rupees- 10th–90th percentile band
- Median of scenarios
- Expected path
- Retirement
What to do next
Biggest movers first- Step 1: Health cover under ₹10 L leaves the corpus exposed after 60, when premiums and hospital costs rise fastest. Consider a family floater plus a super top-up while you are young enough to get it cheaply.
At retirement (FY55)
- Gratuity
- ₹63,77,820
- EPF settlement
- ₹2,92,74,487
- First-year spending
- ₹37,06,056
- Guaranteed income (EPS, annuity, rent)
- ₹1,54,284
- Tax regime chosen that year
- new
Year by year
Every fifth year plus event years · nominal rupeesMake it yours
A free plan starts from these five numbers, then adds your EPF and NPS balances, goals like children's education, loans, health cover and your real spending.
How this is calculated
Rules checked against their sources on 29 September 2026. Tax year FY2026-27.
Why "how much do I need" is the wrong question
Most retirement calculators multiply your expenses by a number and hand you a corpus. The corpus is not the answer. Whether your money lasts depends on the sequence of the years: when you retire, what inflation does to spending, what tax does to withdrawals, when EPF and gratuity arrive, and what the market does in the first decade of retirement. Two people with the same corpus can have very different odds.
This calculator runs the same projection the Eazyretire planner runs. It builds a year-by-year ledger from your age to life expectancy: income growing and then stopping, spending rising with inflation, income tax computed every year under both regimes, EPF and gratuity added on the day you retire, and withdrawals drawn from cash, then debt, then equity. Then it repeats that ledger 300 times with different market sequences and reports how often the money lasts.
What the numbers mean
Readiness score. A 0 to 100 score built from five parts: how much of the needed corpus you are on track for, how far past retirement your money lasts, health cover, an emergency fund, and goals. It is a summary, not a grade.
Corpus needed. What would fund every year's spending after guaranteed income and tax, from retirement to life expectancy, discounted at a blend of debt and equity returns. It is usually 25 to 35 times first-year spending.
Chance money lasts. The share of the 300 market paths that reach life expectancy with money left. Above 80% is comfortable; below 60% needs a change now, not later.
Earliest you could retire. The youngest age at which, on the expected path, the money lasts to life expectancy. Later than planned means the plan needs more saving, a later date or lower spending.
What five numbers cannot see
The quick number assumes your savings are split across equity, debt, deposits and cash in typical proportions, that your SIP steps up 5% a year, and that spending is 55% of income if you do not enter it. It knows nothing about your existing EPF or NPS balance, your home, your loans, your spouse's income, health cover or the goals in between. Each of those moves the answer, sometimes a lot. That is what a saved plan is for.
What moves the score most
In order, for most people: retiring two or three years later, raising the monthly investment and stepping it up with salary, and cutting the first years of retirement spending. Chasing a higher return assumption moves the number on the screen but not the outcome.
Questions people ask
- Is this the same as a corpus calculator?
- No. A corpus calculator multiplies expenses by a factor. This runs a full projection: income, inflation, tax under both regimes each year, EPF and gratuity on the retirement date, and withdrawals in order, then 300 market sequences to give a probability. The corpus needed is one of its outputs, not the method.
- Which returns and inflation does it assume?
- Long-run Indian averages with a haircut: the same defaults as the planner, listed under 'How this is calculated'. Every one of them is editable in a saved plan, and the Assumptions page there shows the source for each.
- Why does it ask about employer benefits?
- EPF (both shares), the EPS pension from 58 and gratuity are automatic for most private-sector employees and for government staff, and together they are often the largest retirement asset. Contract, gig and small-firm workers may have none, and assuming them would flatter the number.
- What are the life-event chips?
- Marriage, a child and supporting parents add typical spending lines at typical ages in today's money: a wedding in three years, a child two years after it (or in three years on its own) with care, school and a college goal, and parents' support ten years out. In a saved plan you set the real ages and amounts.
- Is anything stored?
- No. The projection runs in your browser and nothing you type leaves it. The numbers live in the address bar, so you can share the link. If you create a free plan from the result, the same five numbers seed it.