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Retirement Plan — India
EPF · PPF · NPS · SCSS · Drawdown strategy · Year-by-year in ₹
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🔗 Share Plan
👤 Who You Are
Married / Partner?
Yes
No
Your Name
Spouse Name
Your Age
0
Spouse Age
0
💸 Spending & Inflation
Annual Spending
₹0
Total household annual expenses today
CPI Inflation
0%
Typical India ~6%
Extra Lifestyle
0%
🏦 Retirement Corpus
EPF / Gratuity
Your EPF
₹0
Spouse EPF
₹0
PPF Balance
Your PPF
₹0
Spouse PPF
₹0
NPS Corpus at Retirement
Your NPS
₹0
40% → annuity · 60% tax-free lump sum
Spouse NPS
₹0
Other Investments
Mutual Funds
₹0
FD / Savings
₹0
📋 Pension Income
Your Monthly Pension
₹0
Government/EPS/defined benefit
Spouse Pension
₹0
📈 Returns & SCSS
Portfolio Return / yr
0%
MF avg ~10-12% · Conservative ~7-8%
SCSS Investment
₹0
Max ₹30L · 8.2%/yr quarterly payout · age 60+
Direct Equity / Stocks
₹0
Demat portfolio at retirement — draws down as needed
Real Estate Value
₹0
Investment property — appreciates ~8%/yr · counted in net worth
Rental Income / yr
₹0
Annual rental income — added to fixed income sources
Total Corpus
—
All investments
Monthly Income
—
Pension + SCSS + NPS annuity
Portfolio @ Age 75
—
Projected total
Portfolio @ Age 85
—
Projected total
FI Coverage
—
Income vs spending
Plan Health
◈
Stable
Enter your numbers
Retirement Portfolio — Year by Year
EPF+PPF
MF+FD
NPS
Total
Spending
Year-by-Year Drawdown & Income Plan
Drawdown priority · Pension income · NPS annuity · SCSS · Allocation
▶ Corpus
▶ Real Estate
Year
Age
Spouse
Spending
Safe Corpus
Growth Corpus
RE Value
RE Draw
Total ₹
Drawdown & Notes
Investment Strategy