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% private, no data stored.
Our pre‑retirement story: Ravi & Sunita
Real‑time pre‑retirement planning · Mumbai, IndiaHi, we’re Ravi (58, senior manager) and Sunita (55, consultant). We’re in the final stretch before retirement and want to ensure we have enough to live comfortably.
Right now, our current corpus is —. With monthly contributions of —, at —% return over — years, we’re projected to reach —.
We use the sliders to model different scenarios – increasing contributions, adjusting returns, or extending our working years. The Pre‑Retirement Life Stage helps us ensure we’re on track for a comfortable retirement. We also track our net worth in the Wealth Wallet and investments in the Investment Wallet.
- Corpus target: Aim for 30‑40× annual expenses. Your projected corpus is 0×.
- 💰 Contribution rate: Monthly SIP is 0% of a typical ₹6L annual income.
- 📈 Return assumption: 8% is realistic for a balanced portfolio.
- 📉 Inflation: Use a real return of 2% (after 6% inflation) for conservative estimate.
- ⚖️ 4% rule: Your implied withdrawal rate is 0%.
- 🏦 Asset allocation: Reduce equity as you near retirement.
- 📊 Emergency fund: Keep 6‑12 months of expenses separate.
- 🔒 Health insurance: Ensure adequate cover – medical costs can derail plans.
- 📅 Review yearly: Increase contribution by 10% annually to beat inflation.
Age‑Based Financial Planning
Master your money at every life stage with India’s most practical guides (2026).
Pre-Retirement Planning India: Last 10 Years Strategy
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