Retirement Calculator: frequently asked questions
Straight answers to the questions people ask most about the Retirement Calculator.
Is the Retirement Calculator really free?
Yes. There is no paywall, no trial, no watermark, and no usage cap. Open Retirement Calculator and use it as often as you like.
Does the tool upload my financial details?
No. Everything runs locally in your browser. Your age, expenses, savings, and investment inputs never leave your device, so nothing is leaked or stored.
How does the inflation adjustment work?
The tool takes your current monthly expenses and compounds them at your assumed inflation rate until your retirement age. This gives your future monthly expenses in retirement-day rupees.
What is the 25-30x corpus multiple?
It is a standard rule of thumb based on the 4% safe withdrawal rate. If you need ₹1 crore annually at retirement, a 25x multiple suggests a ₹25 crore corpus. The tool shows both 25x and 30x estimates.
Can I include my EPF, PPF, and NPS balances?
Yes. Add the current balance of all retirement accounts as your starting savings, and sum all monthly contributions (including employer EPF share) as your monthly investment.
Does it work on my phone?
Yes. The tool adapts to any screen, so it works on phones, tablets, laptops, and desktops.
Verdict
If you were unsure about the Retirement Calculator, now you know: free, private, inflation-adjusted projections with savings growth and shortfall analysis, and works on any device. Start at Retirement Calculator.