Choose the level of detail you need
Fast answer
Enter today's monthly spending and the percentage you expect to remain after retirement. This is useful for an initial range, but it does not explain which costs changed.
Explain the result
Enter individual expense categories, retirement income and future goals. Each expense can follow its own inflation rate and retirement rule.
The five-step planning flow
Set the timeline
Choose your current age, retirement age and the age through which you want the plan to run.
Project existing savings
Enter retirement assets, current monthly investing and assumed returns before and after retirement.
Model retirement spending
Decide which expenses continue, end, change at retirement or begin only after retirement.
Offset with retirement income and goals
Add pension, rent or annuity income and one-time cash needs such as a car, renovation or medical reserve.
Compare target with projected assets
RetireWise calculates the modelled corpus, projected corpus, funding gap and monthly investing indicated by the assumptions.
Why today's ₹90,000 may not become tomorrow's ₹90,000 lifestyle
If ₹18,000 of school fees and ₹20,000 of home-loan payments end before retirement, those costs should not be carried forward forever. At the same time, healthcare or travel may increase. Detailed Planner makes those changes visible before inflation is applied.
Build a plan around your own assumptions.
Use Quick Estimate for speed or Detailed Planner to model expenses that end, rise or change after retirement.