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Can I Retire?

Check whether your savings trajectory gets you to retirement by the time you want.

ⓘ How this works

FIRE Planner tells you when you COULD reach financial independence. This calculator answers a more concrete question: if you want to retire in a specific number of years, are you actually on track? It compares what you'll need (based on your expenses and withdrawal rate) against what you'll actually have by your target date, and tells you whether there's a surplus or a shortfall — plus how many years it would actually take at your current pace.

Your inputs

Monthly expenses
₹
Current wealth
₹
Monthly investment
₹
Annual increase
%
Expected return
%
Withdrawal rate
%
Retire in
yrs
Inflation
%

Can I retire?

Yes, you're on track
Based on retiring in 15 years
Surplus (year-15 rupees)
₹24.7L
What you'll need (year-15 rupees)₹4.31 Cr
Your target at year-15 prices after 6% inflation — ₹1.8 Cr in today's money.
What you'll have in 15 years₹4.56 Cr
At your current pace, you'll actually be ready to retire in 14.4 years.
Assumptions behind these numbers
Expected return 11% is nominal — after 6% inflation that is roughly 4.7% real growth in purchasing power. These are assumptions, not guaranteed returns — markets vary year to year.
Your target uses a 4% initial withdrawal rate on ₹60,000/month of today's expenses.

Risk note · Retirement projections compound small assumption changes over decades: a 1% difference in return or inflation can move the outcome by lakhs or crores. Markets are volatile, inflation is uncertain, and tax rules change. Treat these numbers as a planning range, revisit them yearly, and keep a safety margin.

Disclaimer · finkit is an educational tool, not financial, tax or legal advice. Every result is a projection from the numbers you entered and the assumptions stated on the page — it is not a forecast, a quote, or an offer. Check decisions with a SEBI-registered adviser, your lender, or a tax professional.

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