Who built this
Plan My Retirement is built and maintained by Sujeet Kumar. It is an independent project: not a company, not a product of my employer, and not affiliated with any bank, fund house, broker or advisory firm.
Last updated 26 September 2026
Why it exists
Most Indian retirement calculators answer the saving question: how much do you need to put away? Once you have a number, the question changes. What you need to know is how long it will last.
Answering that honestly is much harder than it looks. You cannot do it with one flat tax rate, because your taxable income changes every year as deposits mature and funds are sold. You cannot do it with one average return, because the order in which good and bad years arrive changes the outcome more than their average does. And you cannot do it with one inflation number, because medical costs do not rise at the same rate as groceries. This calculator handles all three. See exactly how.
What this is not
- Not financial adviceIt works with kinds of savings, such as FDs, SCSS, mutual funds and gold, never a specific fund or scheme. It can show what happens if you change your mix, for example moving 10% from FDs into mutual funds, but it never tells you what to buy.
- Not a SEBI-registered adviser or research analystI am not registered as either, and nothing here is a personal recommendation.
- Not a lead-generation siteThere is no signup and no phone field. The calculator runs in your browser, and the numbers you enter are not sent to any server, distributor or agent.
- Not a substitute for a professionalSomeone who knows your full situation can see what a calculator cannot. If these numbers matter to a decision, talk to one.
Tell me when it is wrong
If a number looks wrong to you, or a tax treatment does not match your own filing, I would genuinely rather hear it than not. It gets checked, and if it is wrong, it gets fixed.