Two minutes. Five answers. One clear picture.
Fill in the underlined values below. Tap any to edit. The picture comes next — your money, year by year, until your planning age.
I am years old.
I plan to retire at and live well to age .
Today I spend ₹ lakh a month and have ₹ crore invested.
My portfolio earns % a year, after tax.
Inflation runs at %.
Until I retire, I add ₹ lakh a month in savings.
I also add a year-end lump-sum of ₹ lakh (set to 0 if none).
My tax slab is %.
A note before we begin. This is an educational tool from Accrue Finvisor LLP — an AMFI-registered Mutual Fund Distributor (ARN 162637). The numbers we show are based entirely on the assumptions you enter here. They are illustrative, not financial advice, and not a guarantee of any future outcome. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing. Your inputs stay on your device until you choose to share them.
I am years old.
I plan to retire at and live to .
I spend ₹ lakh a month and have ₹ crore.
Portfolio earns % a year.
Inflation runs at %.
I add ₹ lakh a month.
Tax slab %.
Add what applies. Each change recalculates the verdict on the right.
Future expenses I can see Children's education, marriage, a home, a medical reserve. +
Add a child's name and current age — UG / PG / marriage years auto-fill on the goal you pick.
Tap the goals that apply
Other income in retirement Pension, rental, annuity, consulting — alongside the portfolio. +
Tap the sources you'll have
My actual asset mix Per-class allocation — return derived from each asset class's after-tax return. +
| Asset class | Weight | Tax | Post-tax return |
|---|
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In today's rupees. One path of many. Markets vary.
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Surplus or gap at age — on your inputs.
These numbers are a math output from the inputs on the left. They are not a recommendation, a guarantee, or financial advice. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully.
A 30-minute conversation. No documents to upload. We walk through your assumptions together and help you stress-test them.
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See the year-by-year working Every line: opening balance, contribution, withdrawal, closing balance. +
| Year | Age | Phase | Opening (₹ Cr) | SIP / Income (₹ Cr) | Regular expense (₹ Cr) | One-time outflow (₹ Cr) | Closing (₹ Cr) |
|---|
If there were a gap, four ways to close it Additional corpus, raise SIP, retire later, trim expenses. +
How we computed your result The formula, the inputs, and the year-by-year working as an Excel file. +
Score = (Corpus at retirement ÷ Required corpus) × 100, capped at 150.
Today: — ÷ — × 100 = — · —.
A ratio of 1.0 = score 100 (just covering the corpus you need at your planning age). 1.5 = score 150 (50% headroom, capped here). The required corpus is solved by working backwards from zero at your planning age — same time frame as the corpus at retirement.
