Step 1
Estimate the corpus
Turn current spending into an inflation-adjusted retirement requirement.
Compare different retirement ages and post-retirement return assumptions.
Save a base and conservative corpus scenario.
Open calculator Back to planning journeys
Guided plan
Retirement journey
Estimate the retirement corpus, review NPS and EPF contributions, then test a withdrawal plan against inflation and longevity risk.
Outcome
A corpus range, contribution gap, pension view, and withdrawal stress test.
Your local progress
0/4 steps1. Estimate the corpus
2. Project workplace savings
3. Review pension allocation
4. Stress-test withdrawals
Progress is stored only in this browser and can be cleared from any calculator or the homepage.
Work in sequence
Four decisions, one connected plan
Each calculator opens with journey progress attached. Save useful scenarios locally, then use Continue to move to the next decision.
Step 2
Project workplace savings
Estimate how EPF contributions may cover part of the target.
Use the displayed effective rate period and a realistic salary growth assumption.
Compare the EPF projection with the corpus target.
Open calculator Step 3
Review pension allocation
Separate the projected lump sum from the annuity-backed pension estimate.
Review exit rules for your sector and circumstances before acting.
Record the pension estimate separately from liquid retirement assets.
Open calculator Step 4
Stress-test withdrawals
Test whether withdrawals remain sustainable under lower return or higher inflation assumptions.
Compare before-tax and after-tax results where applicable.
Save a conservative withdrawal scenario for annual review.
Open calculator Sources and review
Owned by Wealth Planner editorial. Last reviewed 10 July 2026. Calculator results remain educational estimates.