Design Your Retirement Strategy

Smart Planning. Secure Future.

Ready to take charge of your retirement? Use this powerful planning tool, share it with someone who needs it, contact us for suggestions.

Basic Information

Enter your basic details like age and current income to start planning your retirement journey.

Enter your basic details like age and current income to start planning your retirement journey.

Select the currency in which you receive your earnings or salary
Enter the amount of money you earn each month.

Monthly Expenses

Enter your monthly spending to understand your savings ratio and allocate savings to different asset classes based on your financial goals.

Enter your monthly spending to understand your savings ratio and allocate savings to different asset classes based on your financial goals.

Monthly Savings

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Savings Ratio
Your ideal saving ratio depends on age, income, goals, and debt. But consistently saving at least 15–20% puts you in a strong position financially.

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Current Investments

Share details about your existing investments to get a clear picture of your portfolio.

Share details about your existing investments to get a clear picture of your portfolio.

Current Hedge Investments

Provide information about your existing hedge investments to understand your risk management strategies. Precious metals, government bonds, and PPF are considered hedge investments because they typically retain or increase value during market downturns. They have low correlation with risky assets like stocks and crypto, offering stability and protection. These assets preserve capital and reduce overall portfolio risk.

Provide information about your existing hedge investments to understand your risk management strategies.

Current Liquidity

Enter details about your readily available cash and liquid assets. A general rule of thumb is to maintain at least 3-6 months of income in cash for emergencies or to cover near-term spending plans.

Enter details about your readily available cash and liquid assets.

Investment Profile

Choose Aggressive, Moderate, or Conservative based on your risk tolerance and financial goals. Consider your comfort with risk and investment time horizon.

The tool will allocate your monthly savings according to your selected investor profile, so consider your comfort with risk

Choose Aggressive, Moderate, or Conservative based on your risk tolerance and financial goals. Consider your comfort with risk and investment time horizon.

Expected Asset Growth Rates (%)

You need to estimate the annual percentage growth you expect over time. This helps in forecasting how your overall corpus will grow till your retirement age. If you're unsure, it's okay to make a reasonable guess based on your last 5 years of returns.

Be Conservative: If unsure, lean toward lower, safer estimates rather than overly optimistic ones.
Use Historical Averages: Look at past 5 years of performance as a reference.
Different Assets, Different Rates: Cash will grow slower than stocks, so don't use the same rate for all assets.
Review and Adjust Over Time: Update these numbers yearly if you gain more investing experience or the market changes.

These values represent the last 10 years CAGR of these asset classes. For mutual funds, we considered top 10 funds and took their average. You can edit these values based on your expectations.

Retirement Goals

Define how much your retirement corpus will grow, the expected inflation rate in your retirement country, and your estimated monthly expenses. Consider the cost of living in your retirement city and how much money you would need to live comfortably.

Define your retirement age, expected monthly expenses, and life expectancy. Consider the cost of living in your retirement city for accurate expense estimates.

Expected CAGR shows how fast your money grows annually on average. Using government yields or fixed deposit rates gives a safer, more reliable estimate.
Your Expected Monthly Expenses are the costs you'll need each month. Tools like Numbeo help you estimate them based on real-world city data.