niloFinance Tools
Retirement Readiness Calculator
Retirement readiness is about one question: will your savings support the life you want when the salary stops? This tool estimates both sides of that equation and shows the gap calmly.
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Frequently asked questions
How is the required corpus estimated?
The tool simulates each retirement year: expenses grow with inflation, the remaining corpus grows at your post-retirement rate, and expected income offsets withdrawals. It avoids one-size-fits-all withdrawal rules.
Why three scenarios?
Because returns are uncertain. Conservative, base and optimistic projections show a range of outcomes rather than one false-precision number.
What if I plan to work part-time after retiring?
Add the expected monthly income after retirement — it reduces how much the corpus needs to supply each year.