RetireWise India — Free Retirement Withdrawal Calculator

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Age & Timeline

Current Age ℹ

25 years to retirement · corpus will compound

⚠ Retirement age must be greater than current age

Retirement Age ℹ

25 retirement years planned

Life Expectancy ℹ

Plan for 25 retirement years

Inflation Rate ℹ

5.5%

India CPI avg: 5.5% · Healthcare: 10–12% · RBI target: 4%

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Your Investments ℹ

Click to expand

Corpus Today

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At Retirement

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Blended Return

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Other Monthly Income ℹ

EPS pension · UPS pension · annuity · rental

₹ / mo

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Gratuity at Retirement ℹ

One-time lump sum from employer at retirement (Sec 10(10))

Gratuity Amount

₹

Sector

Tax-free up to ₹20 lakh — private sector (Sec 10(10))

Govt / PSU employees: fully tax-free (no cap)

Taxable portion (above ₹20L) added to income in retirement year

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Tax Regime ℹ

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Withdrawal Strategy ℹ

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Monthly Income

Year 1

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After all taxes

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Annual Gross

Year 1

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Before tax

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Balance / Duration

Year 1

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Portfolio Projection

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👆 Click any bar to update metrics above for that year

📈 Growing — your return exceeds withdrawals + inflation

📊 Portfolio at Retirement

Enter investment balances on the left

🧾 Tax Breakdown Eff. 0%

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All Strategies — Monthly Income After Tax

Click any row to switch strategy

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⚠ RetireWise provides educational projections — not financial advice. FY2025-26 New Regime slabs: ₹0–4L 0%, ₹4–8L 5%, ₹8–12L 10%, ₹12–16L 15%, ₹16–20L 20%, ₹20–24L 25%, above ₹24L 30%. Sec 87A rebate: zero tax if combined taxable income ≤ ₹12L. 4% health & education cess applied. Surcharge 10% for income >₹50L, 15% for >₹1Cr. NPS: non-govt subscribers 80% lump sum tax-free (Sec 10(12A)), 20% mandatory annuity taxable. Govt employees: 60% lump sum. LTCG on MF equity: 12.5% on gains above ₹1.25L/yr (Budget 2024). SCSS interest fully taxable. EPF tax-free after 5+ yrs continuous service. Gratuity: tax-free up to ₹20L for private sector employees (Sec 10(10)); fully tax-free for govt/PSU. Consult a SEBI-registered adviser (RIA) before decisions.