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Translate today’s expenses into a future corpus — with inflation and return assumptions you can change.
Retirement planning on Finaura is a cash-flow illustration. You pick a retirement age, a spending figure, inflation and two return rates (before and after retirement). The tool then estimates a corpus and a monthly investment that would fund that plan if those assumptions hold.
They will not hold exactly. Inflation, longevity, medical costs and market returns all move. The point of the calculator is to show how sensitive the corpus is to those inputs, not to certify that you are “on track”.
Each tool shows the formula, assumptions and a short explanation. Numbers stay in your browser.
A monthly expense that feels manageable today is a much larger number at retirement after even a moderate inflation rate. That is why the retirement planner asks for inflation separately from returns. The inflation and retirement guide shows the same idea in words.
EPF follows a wage and contribution structure. NPS has contribution, allocation and annuity rules. PPF has a 15-year lock-in and a notified rate. Use the dedicated calculators rather than stuffing them into a generic SIP projection. Read how much to save for retirement for the planning questions around those products — not product recommendations.
Read the explanation, then run the matching calculator with your own numbers.
There is no single percentage that fits every household. There is a method: today’s expenses, inflation, working years, years in retirement, and two return assumptions — all of which can be wrong.
Inflation is the reason a comfortable monthly expense today is not the number you should fund at retirement. Small rate differences become large corpus differences over decades.
The three schemes look interchangeable and behave very differently. One is chosen for you, one is entirely voluntary and one hands most of your corpus to an annuity provider. Understanding which is which decides how much you end up with, and how much of it you can spend.