Plan retirement while paying off your loans.
A calm, honest calculator for Indian salaried professionals. Home loans, overdraft facilities, EPF/EPS, SIPs, LTCG tax, inflation — all in one simulation. Updates as you type.
Built for India
How Indians actually earn & spend
EPF & EPS done right
Employee 12% + employer 8.33% EPS / 3.67% EPF split, capped basic, statutory pension formula. Not just a lump number.
Overdraft-loan aware
Correctly models flexi/OD home loans (SBI MaxGain, ICICI Money Saver). Parked surplus reduces interest immediately.
Post-tax corpus
LTCG at 12.5% above ₹1.25L applied to equity gains. EPF and NPS lump tax-free. See gross vs net in one glance.
Inflation-adjusted
Toggle between future rupees and today's rupees. See what your corpus actually buys at retirement age.
Expense estimator
Don't know your monthly spend? Fill in rent, groceries, school fees, EMIs, help — arrive at a real number.
4 strategies compared
Compare 'pay debt first', 'invest alongside', 'close from corpus', and 'smart hybrid' side-by-side instantly.
Simple by design
Your numbers in under 2 minutes
Enter your numbers
Age, salary, expenses, loans, EPF balance, existing investments, other income, life goals.
Simulation runs instantly
Month-by-month projection of every rupee. Salary compounds, expenses inflate, loans amortise, SIP+EPF grow.
Compare strategies
4 payoff/invest strategies side by side. Post-tax corpus in today's or future rupees. Pick your winner.
Common questions
What people ask
How much retirement corpus do I need to retire at 50 in India?▾
A common thumb rule is 25–30x your annual expenses at retirement, but the actual number depends on inflation, post-retirement returns, life expectancy, and any pension (EPS, NPS) that supplements withdrawals. Use the planner for a number specific to your situation.
Does the planner account for LTCG tax on mutual funds?▾
Yes. Long-term capital gains on equity SIPs are taxed at 12.5% above ₹1.25L per year (post Union Budget 2024). EPF withdrawal is tax-free after 5 years of continuous service. Both are factored into the net corpus figure.
How does EPS pension work in the calculations?▾
EPS pension = Pensionable Salary × Pensionable Service ÷ 70, where Pensionable Salary is capped at ₹15,000/mo for most employees. The planner shows the estimated monthly pension and reduces your required corpus target accordingly.
Should I prepay my home loan or invest in SIPs?▾
Toggle between the 'debt first', 'invest alongside', and 'close loan from corpus' strategies in the planner to see final corpus outcomes for each. There's no single right answer — it depends on your loan rate, tax situation, and comfort with debt.
Ready to see your numbers?
Get an honest picture of your retirement in under two minutes. Free forever, no signup, no data leaves your device.
No account needed · runs in your browser