🇮🇳 Built for India · FY2025-26 Tax Rules

Know exactly how much you can withdraw in retirement

Enter your NPS, EPF, PPF, Mutual Funds and FD. Get your exact monthly income after all taxes — year by year. Free, no login, no signup.

Calculate My Retirement → 📚 Read the guides

Free forever No login needed FY2025-26 tax rules NPS · EPF · PPF · MF · FD 5 withdrawal strategies

Why RetireWise

Built for the Indian retiree

Every other calculator uses US assumptions. RetireWise is built for India's accounts, tax rules, and inflation reality.

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Correct India Tax

New Regime FY2025-26, Sec 87A rebate, 4% cess, surcharge. NPS 60/40, EPF Sec 10(12), MF LTCG 12.5%. Combined income — no shortcuts.

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5 Real Strategies

4% Rule, Guardrails (dynamic ±10%), Constant % of current balance, 3-bucket system, and RMD method — each with correct maths.

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Multi-Account

NPS, EPF, PPF, Mutual Funds and FD each taxed by their own rules. Enter balance and monthly contribution per account.

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Accumulation Phase

Still working? Contributions compound at each account's own return rate until retirement. Auto-hidden if already retired.

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FIRE Mode

Plan early retirement from age 25. See if a 30–55 year horizon is sustainable with your current portfolio.

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Click Any Year

Click any bar on the chart to see exact balance, withdrawal, and monthly income after tax for that retirement year.

How It Works

Your retirement plan in 4 steps

Set your ages

Current age, retirement age, life expectancy. How long your corpus has to compound.

Enter investments

Balance and monthly contribution for NPS, EPF, PPF, MF, FD separately.

Pick a strategy

5 strategies — each explained in plain English so you know which suits you.

See your number

Monthly income after tax, year-by-year projection, tax breakdown, shortfall alert.

Start — It's Free →

Supported Accounts

Every account, correctly taxed

Not one flat rate. Each account uses its actual legal treatment.

NPS

Partial

60% lump sum free (Sec 10(12A)). 40% annuity as income.

EPF

Tax-free

100% exempt 5+ yrs (Sec 10(12)). 8.25% FY2025-26.

PPF

EEE

Exempt at all 3 stages. 7.1% Q1 FY2025-26.

Mutual Funds

LTCG 12.5%

12.5% on gains above ₹1.25L/yr. Budget 2024.

FD / Debt

Taxable

Fully taxable per slab. 87A if combined ≤₹12L.

Know exactly how much you can withdraw in retirement

Ready to know your retirement number?