Pre‑Retirement Life Stage – Build Your Final Corpus | INDwallet
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Pre‑Retirement Life Stage – Build your final corpus

Adjust current corpus, monthly contributions, expected returns, and years to retirement – see your projected corpus and whether you’re on track for a comfortable retirement.

✔ 100% Free✔ No Data Stored✔ India-First⚡ Takes under 30 seconds🔒 Data stays in your browser
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💰 Current Corpus
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📆 Monthly SIP
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📊 Projected Corpus
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⏳ Years to Retire
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Your Pre‑Retirement NumbersSlide to adjust
Move sliders to see personalised feedback.
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Corpus Breakdown
Current Corpus (gold) · Future of Current (blue) · Future of SIPs (orange)
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Our pre‑retirement story: Ravi & Sunita
Best practices for pre‑retirement

    Frequently asked questions

    retirement corpus4% ruleSIP vs lump sumEPF pensionNPSwithdrawal rate
    👥 Pre‑Retirement Planning
    A common rule is 30‑40x annual expenses. INDwallet’s projected corpus helps you compare. If annual expenses are ₹6L, aim for ₹1.8Cr–2.4Cr. The insight box flags if you’re below a 4% withdrawal rate.
    INDwallet lets you test both: monthly contribution slider simulates SIPs; adjust current corpus slider for lump sums. Projected corpus updates instantly.
    INDwallet defaults to 8% p.a. – a conservative long‑term expectation. Use the return slider to test scenarios (6‑10%). Insight box warns if corpus seems insufficient at lower returns.
    📊 Withdrawal Strategies
    The 4% rule suggests you can withdraw 4% of your corpus annually with high success over 30 years. INDwallet calculates your implied withdrawal rate based on projected corpus and assumed annual expense of ₹7.2L (₹60k/month).
    INDwallet does it: enter current corpus, monthly contribution, expected return, and years. Projected corpus uses future value formula. No manual math – just slide.
    EPF alone may not suffice if expenses are high. Use INDwallet to see additional SIP needed. For example, if EPF will give ₹2Cr but you need ₹5Cr, adjust monthly contribution to bridge gap.
    🔐 Privacy & Next Steps
    100%. All calculations run in your browser. No servers, no tracking, zero data leaves your device. Read our Privacy Policy.
    Review yearly. Adjust sliders as your corpus grows and as you get closer to retirement. Combine with the Wealth Wallet to track your net worth.
    The Income Wallet tracks pension/interest, Expenses Wallet controls outflows, Investment Wallet builds corpus, and Wealth Wallet shows net worth – all integrated.

    Your retirement is closer than you think.
    Are you ready?

    Use the Income Wallet to track pension, Expenses Wallet to manage spending, and Investment Wallet to fine‑tune your portfolio. One system. Every stage.

    ✔ No signup required • Works instantly ✔ Takes under 30 seconds 🔒 Data never leaves your browser
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