1
Career Timeline
Career start date, retirement date and employment type
Very Stable
Govt / PSU
5–10% p.a.
Stable
MNC / Large Corp
4–12% p.a.
Moderate
Mid-size / SME
3–15% p.a.
Variable
Startup / Sales
0–20% p.a.
Entrepreneur
Self-employed
−5–30% p.a.
—
Years Served
—
Years to Retire
—
Months to Retire
—
Total Career (yrs)
5–10%
Increment Range
2
Provident Fund (PF)
Employee + Employer contributions compounded over your career
PF Corpus—
Expected Salary at Retirement: —
PF Corpus at Retirement
—
Future Monthly Salary
—
Total Invested (est.)
—
Growth Earned (est.)
—
Show Year-by-Year Breakdown
| Year | Salary (Rs.) | Annual Contribution | Cumulative Invested | PF Balance |
|---|
3
NPS — National Pension System
Projected corpus with annuity & lumpsum split
NPS Lumpsum—
Total NPS Corpus
—
Lumpsum (withdrawable)
—
Annuity Corpus (locked)
—
Est. Monthly Pension
—
Minimum 40% of NPS corpus must be used to purchase an annuity at retirement. Remaining 60% is tax-free lumpsum. Estimated pension assumes ~6% annuity rate p.a.
Show Year-by-Year Breakdown
| Year | Monthly Contrib. | Annual Contrib. | Cumulative Invested | NPS Balance |
|---|
4
Gratuity
Calculated using future salary from Section 2 and total years of service
Gratuity (After Tax)—
Uses last-drawn Basic+DA from PF projection, or enter manually.
Total Years of Service
—
Gross Gratuity
—
Taxable Amount
—
Gratuity After Tax
—
First Rs.20 Lakh of gratuity is tax-exempt. Amount above Rs.20L taxed at your retirement slab. Formula: (Last Salary × 15 × Years) / 26.
5
Fixed Deposits (FDs)
Add multiple FDs — each projected to your retirement date
Total FD Maturity—
| # | Principal (Rs.) | Rate | Tenure | Maturity Value |
|---|
6
Recurring Deposits (RDs)
Add multiple RDs — each projected to your retirement date
Total RD Maturity—
| # | Monthly Deposit | Rate | Tenure | Maturity Value |
|---|
7
Investment Corpus
SIPs, Stocks, Bonds, PPF and other investment wealth
Total Investments—
Haven't planned your SIPs yet? → Use the Wealth Calculator to project your SIP corpus
8
Non-Moveable Assets
Properties — future capital value and rental income at retirement
Future Value—
Property values are excluded from the liquid corpus total below — they represent illiquid wealth.
✦
Total Retirement Corpus
Sum of all liquid / financial assets — properties excluded
Estimated Total Liquid Corpus at Retirement
Rs. 0
—
PF Corpus—
NPS Lumpsum—
Gratuity—
FDs—
RDs—
Investments—
TotalRs. 0
Disclaimer: These projections assume constant growth rates and may not reflect actual market conditions. Review your plan periodically and consult a SEBI-registered financial advisor.