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Pre‑Retirement Life Stage
Build your final corpus
Build your corpus · Project growth · Check readiness
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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Corpus Breakdown
Current Corpus (gold) · Future of Current (blue) · Future of SIPs (orange)
Our pre‑retirement story: Ravi & Sunita
Best practices for pre‑retirement
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Read →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
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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.
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