ℹ️ About

About RetireWise

Why we built India's most transparent free retirement calculator — and what makes it different.

The problem we set out to solve

Every retirement calculator we found was either built for the US (using American tax rules and 401k logic) or oversimplified to the point of being useless — asking for one number and returning one number.

India's retirement reality is complex. NPS with its 60/40 lump sum split. EPF with 8.25% guaranteed return and full tax exemption after 5 years. PPF with EEE status. Mutual funds with LTCG at 12.5% above ₹1.25L. FD interest fully taxable at slab rates. New regime's Sec 87A rebate applying to combined income, not each account separately.

No single tool was computing all of this together, correctly, for free. So we built RetireWise.

What RetireWise does

RetireWise is a free, browser-based retirement withdrawal calculator. You enter your current balances across NPS, EPF, PPF, Mutual Funds, and FD. The calculator:

Compounds each account at its own return rate until your retirement age
Applies each account's correct FY2025-26 tax treatment at withdrawal
Combines taxable income (NPS annuity + FD) before applying slab — the legally correct treatment
Applies 4% cess and surcharge on top of slab tax
Simulates 5 different withdrawal strategies with their correct maths
Lets you click any year on the chart to see exact income and tax for that year

Our values

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Free forever

No paywall, no premium features, no subscription to see your results.

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No data collected

Every calculation happens in your browser. We never see your financial numbers.

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Transparent logic

Every tax rule, formula and assumption is documented and verifiable.

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India-first

Built for Indian accounts, Indian tax law, Indian inflation — not adapted from a US tool.

What RetireWise is NOT

RetireWise is an educational calculator — not financial advice, tax advice, or investment advice. Projections are based on the assumptions you enter. Real markets are unpredictable. Please consult a SEBI-registered Investment Adviser (RIA) before making major financial decisions.

Tax calculations use India New Regime FY2025-26 rates and are estimates. Tax law changes — verify current rules with a CA or tax advisor.

Contact us

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