How long will my savings last?

Your plan

The answer updates as you type. Write amounts in plain digits, or as 4.2cr, 50L or 75k.

Your figures are used only to work out your answer, then thrown away.

Retirement savingswhat you will live on, after any loans you still owe; big costs still to come go in Lumpy Cash Flows (Pro), as money out

Monthly spendingafter any pension or rent you receive

Inflation% a year; your spending rises by this each year

Count years asin the year fields and in every result

Plan year Age Calendar

Years to plan for

Bucket sizes, in months of spending

Emergency fundkept aside, never spent

Bucket 1your monthly spending comes from here

Bucket 2tops up Bucket 1 each year

Bucket 3tops up Bucket 2 each year

Refill rule (Pro)how Bucket 3 tops up Buckets 1 and 2 at each year end

At each year end Bucket 2 tops up Bucket 1, and Bucket 3 tops up Bucket 2, whatever the markets did.

Sales below Bucket 3’s high (Pro)show, year by year, what Bucket 3 sold while its price stood below its highest, and the months Buckets 1 and 2 were empty

Asset mix, Weights and Tax Assumptions

	Large-cap equity	Mid/flexi-cap equity	Equity abroad (Pro)	Bonds and gilts	Ultra-short debt	Liquid and arbitrage
Return % before tax
Tax % on long-term gains
Market volatility % simulated markets (Pro)
Emergency fund							100
Bucket 1							100
Bucket 2							100
Bucket 3							100

The Market volatility row is used only by Simulated markets (Pro), under Test your plan, and only while it is switched on.

Pro sections

Each opens with a Pro pass, and says in one line what it does. What Pro includes

Unrealised Gains on your savings (Pro)OffPay tax on the gains your savings already hold, as you spend them.

Tick this if your savings are already invested and hold gains you have not paid tax on yet. For example, holdings now worth 100 that cost 60 are 40% gain.

My savings already hold gainsEvery bucket starts with this share of its value as gain, and pays tax on it as it is redeemed. Off unless you tick it, which treats your savings as newly invested.

Unrealised gains in your savings% of today's value that is gain not yet taxed

Tax slabs (Pro)OffWork out tax once a year on Indian slabs or US federal brackets.

Tick this to work out tax once a year on the year’s gains, on income-tax slabs, instead of the flat rates in the asset mix. Indian rules, for funds bought on or after 1 April 2023, with equity held over a year. Foreign shares and funds, such as Equity abroad, pay the equity gains rate with no yearly exemption.

Work out tax on slabsEach year’s gains and losses are added up; a loss is set against gains, and carried forward for up to eight years; the tax is paid at the year end from Bucket 1. Off unless you tick it, which keeps the flat rates.

Other taxable income a yearpension, interest, rent; in today’s money, rising with inflation. Only the extra tax your gains add on top of it is charged

Deduction from that incomefor example, the standard deduction on a pension; rises with the thresholds

Thresholds rise by% a year, for the slabs, rebate, exemption, surcharge tiers and the deduction. India’s are not raised by law each year, only now and then by a Budget; type 0 to hold them where they are today.

Rulesfills in the slabs, rebate, equity gains, surcharge and cess below; change any of them to make rules of your own

How each column's gains are taxed

Large-cap equity
Mid/flexi-cap equity
Equity abroad
Bonds and gilts
Ultra-short debt
Liquid and arbitrage

Slabs, on ordinary income and slab-rate gains

	Income from	Rate %
1
2
3
4
5
6
7

Rebate (section 87A)taken off the slab tax, never off the tax on equity gains

While total income is at mostgains included

Marginal relief just above that limitthe slab tax is never more than your income above the limit (the new regime has this; the old does not)

Equity gains rate% on long-term equity gains (section 112A)

Equity gains exempt each yeartaken off before the rate; any part of the nil slab left unused takes off more

Surcharge, on the tax, by total income

	Income above	Rate %
1
2
3
4

Surcharge cap on equity gains% at most, whatever the tier

Health and education cess% on tax and surcharge

Long-term gains brackets, by taxable income

	Income from	Rate %
1
2
3

Investment income tax threshold3.8% on gains once your modified adjusted gross income is above this; fixed in law, it never rises with inflation

Investment income tax rate% on the gains above the threshold

Net loss against other income a yearthe most a net loss on your investments takes off ordinary income; the rest is carried forward. Fixed in law

State tax on gains% of the year's net gains, if your state taxes them; 0 for none

Investing abroad (Pro)OffTax Equity abroad’s dividends as they really are: withholding abroad, India’s tax and its credit.

Investing abroad follows India’s rules for someone living in India, so it works with rupees: switch the currency to ₹ to use it.

For someone living in India whose Equity abroad, in the asset mix, is a fund listed abroad. A fund listed in the US (such as VOO, IVV or SPY) pays its dividends to you: the US keeps 25% of them, and India taxes them at your own rate and credits the US tax, up to its own tax on them. A fund listed in Ireland that keeps its dividends (such as CSPX or VUAA) pays 15% of them inside the fund. Either way the US does not tax your gains; India taxes them as each bucket is redeemed, at Equity abroad’s rate in the asset mix, or with Tax slabs at 12.5% with no yearly exemption. Rules as at October 2026.

Tax Equity abroad’s dividendsoff unless you tick it; what you type here stays when it is off

Where the fund is listed

Dividends% of its value a year; about 1.1% for the S&P 500 in September 2026

Tax the US keeps on the dividends%; 25% with a W-8BEN form on file with your broker, 30% without

Your tax rate in India on the dividends% of them: your top slab with cess, and any surcharge (31.2% for the 30% slab); 0% if you pay no income tax. With Tax slabs on, this rate still taxes the dividends

India credits the US taxup to India’s own tax on the dividends; tick it if you file the form for it with your return (Form 44; Form 67 before 2026-27)

Tax paid inside the fund% of the dividends; 15% on US shares held in Ireland

Bucket 3 asset mix glide path (Pro)OffMove Bucket 3, step by step, to a safer mix by the end of the plan.

Tick this to make Bucket 3 safer over time. Set the mix Bucket 3 should reach, and the year it should reach it (the last year you plan for, unless you choose another); its mix moves towards it in equal steps, year by year.

Move Bucket 3 to a target mixYear 1 uses Bucket 3’s weights from the asset mix above, and the year you reach the target uses these, as does every year after it. The years in between move towards them in equal steps. Off unless you tick it.

	Large-cap equity	Mid/flexi-cap equity	Equity abroad (Pro)	Bonds and gilts	Ultra-short debt	Liquid and arbitrage
Target							100

Reach the target mix in yearleave blank for the last year you plan for, year 40

Spending changes (Pro)OffChange your monthly spending from a year on: when children leave home, after a move, or for care in later years.

Your monthly spending need not stay the same. From each year you give, you spend the amount you type, in today’s money, and it rises with inflation from there, as Monthly spending does. At the end of the year before, Buckets 1 and 2 are topped up to their months of the new spending. Up to five changes; blank rows are left out.

Change my spending later onoff unless you tick it; what you type here stays when it is off

From year	Monthly spending, in today’s money

Lumpy Cash Flows (Pro)OffMoney that comes in or goes out besides your monthly spending: part-time work, a pension, a sale, a wedding.

Money that comes in or goes out, once or every year, on top of your monthly spending. (Part-time work, a pension or rent that starts later, a property sale, a wedding, a car.) A repeating row can stop (Until; leave it blank to run to the end) and rise each year by its own % (blank: 0), on top of inflation when amounts are in today's money.

Apply cash flowsA positive amount is money coming in, a negative one is money going out. Blank rows are left out. Off unless you tick it.

Year	Amount	Every year after	Until year	Rises % a year

Amounts are in today's rupees
Each amount rises with inflation up to its year, as your monthly spending does. Untick this to type each amount in the rupees of its own year.

Currency

₹ INR $ USD

Amounts are in each year’s own money, not today’s

Start from a sample: Starting out → Mid-career, stopping early → Investing abroad from India →

Your spendable savings run out in year 25.

4.04% withdrawal rate 24.8× a year’s spending You take ₹12.00 L a year from ₹2.97 Cr of savings. Your emergency fund is never spent, so you really spend from ₹2.85 Cr: 4.21% a year, or 23.8×.

By then Buckets 1, 2 and 3 are empty, with spending at ₹5.07 L a month. The emergency fund still holds ₹40.64 L, which is kept aside and never counted as money to spend.

What would it take? (Pro)

How the math works

Work back from the years you plan for: the most you can spend a month, or the least savings you need.

Everything else in your plan stays as it is.

Other buffer sizes (Pro)

How the math works

How long your savings last with Buckets 1 and 2 holding 0 to 120 months of spending, everything else as it is.

Bucket 1 holds up to its own 18 months and the rest goes in Bucket 2; the emergency fund stays as it is.

Your savings at the end of each year

In each year’s rupees, before tax, emergency fund included; only spending rises with inflation

Emergency fund Bucket 1 Bucket 2 Bucket 3 Tap or hover on the chart for any year's figures

Your buckets, year by year

Spending comes out of Bucket 1 through the year. At each year end Bucket 2 tops it up, and Bucket 3 tops up Bucket 2. Move the slider, or play the years.

Emergency fund

Bucket 3

Bucket 2

Bucket 1

The start

How your money moves

How the math works

Your savings, ₹2.97 Cr, are split at the start: the emergency fund first, then Bucket 1, then Bucket 2. Bucket 3 takes whatever is left.

Bucket 3 ₹2.19 Cr

Whatever is left after the others, invested to grow. Holds 80% mid/flexi-cap equity, 20% bonds and gilts.

By year 20 it is empty.

9.20% return before tax · 16.0% tax on gains when redeemed

At each year end, Bucket 3 tops Bucket 2 back up to 48 months of the next year’s spending.

Bucket 2 ₹48.00 L

Money for the next few years. Holds 80% bonds and gilts, 20% large-cap equity.

By year 23 it is empty.

6.60% return before tax · 26.5% tax on gains when redeemed

At each year end, Bucket 2 tops Bucket 1 back up to 18 months of the next year’s spending. If Bucket 2 runs short, Bucket 3 pays the rest.

Bucket 1 ₹18.00 L

Your spending comes from here. All in ultra-short debt.

By year 25 it is empty.

5.50% return before tax · 30.0% tax on gains when redeemed

Every month, your spending comes out of Bucket 1; if it runs dry, out of Bucket 2, then Bucket 3.

Your spending ₹1.00 L a month

in the first year, rising 7% a year, to ₹5.07 L a month in year 25.

Emergency fund ₹12.00 L

Set aside first, then left alone: it grows, but is never spent. All in liquid and arbitrage.

By year 25 it holds ₹40.64 L.

5.00% return before tax · never redeemed, so never taxed

Tax is paid on the gains in whatever leaves a bucket, at that bucket’s rate, so a bucket goes down by a little more than it pays out.

When Buckets 1, 2 and 3 are all empty, your spendable savings have run out. The emergency fund is never counted as money to spend.

Test your plan

Market slump (Pro)OffSee what a market slump in your first years would do to the plan.

Tick this to see your plan with a few years of lower (or higher) returns than the ones in your asset mix, starting in the year you choose.

Start with a slumpUses these returns in place of the asset mix’s for the years you set, then goes back to the asset mix’s returns. Off unless you tick it.

Equity returnsone rate for every year of the slump, or a return for each year

How longhow many years it lasts

Starting in year1 starts it at once, at the worst possible time

Equity return% a year, both equity columns

Debt return% a year, all three debt columns

Keep the asset mix’s debt returnsBonds and gilts, Ultra-short debt and Liquid and arbitrage each keep their own return through the slump

Simulated markets (Pro)OffSee how long your money could last in 2,000 simulated markets, each with its own good and bad years.

Simulate 2,000 marketsworked out beside your plan, as a band on the chart and a line under the answer; your plan, the table and What would it take? stay as they are. How far each investment swings is the Market volatility row in the asset mix.

Compare (Pro)OffPin a plan, then see any change side by side with it.

Pin the plan on screen as Plan A, then change anything or open a saved plan. The chart draws Plan A's total as a dashed line, and a table under the answer sets the two side by side.

Year by year

Year 25 is the year your spendable savings run out: that year’s spending is ₹32.01 L short in total. “To spend” leaves out the emergency fund.

Year	Monthly spending (with inflation)	Cash flow	Emergency fund	Bucket 1	Bucket 2	Bucket 3	To spend (Buckets 1–3)	Total savings (with emergency fund)
Start	₹1,00,000	₹12,00,000	₹18,00,000	₹48,00,000	₹2,19,19,461	₹2,85,19,461	₹2,97,19,461	—
1	₹1,00,000	₹12,60,000	₹19,26,000	₹51,36,000	₹2,26,06,316	₹2,96,68,316	₹3,09,28,316	₹47,906
2	₹1,07,000	₹13,23,000	₹20,60,820	₹54,95,520	₹2,32,21,128	₹3,07,77,468	₹3,21,00,468	₹93,210
3	₹1,14,490	₹13,89,150	₹22,05,077	₹58,80,206	₹2,37,56,249	₹3,18,41,532	₹3,32,30,682	₹1,33,373
4	₹1,22,504	₹14,58,608	₹23,59,433	₹62,91,821	₹2,41,99,454	₹3,28,50,708	₹3,43,09,316	₹1,71,750
5	₹1,31,080	₹15,31,538	₹25,24,593	₹67,32,248	₹2,45,35,311	₹3,37,92,152	₹3,53,23,690	₹2,09,922
6	₹1,40,255	₹16,08,115	₹27,01,315	₹72,03,506	₹2,47,45,578	₹3,46,50,399	₹3,62,58,514	₹2,48,767
7	₹1,50,073	₹16,88,521	₹28,90,407	₹77,07,751	₹2,48,09,209	₹3,54,07,367	₹3,70,95,888	₹2,88,874
8	₹1,60,578	₹17,72,947	₹30,92,735	₹82,47,294	₹2,47,02,191	₹3,60,42,220	₹3,78,15,167	₹3,30,689
9	₹1,71,819	₹18,61,594	₹33,09,227	₹88,24,604	₹2,43,97,318	₹3,65,31,149	₹3,83,92,743	₹3,74,585
10	₹1,83,846	₹19,54,674	₹35,40,872	₹94,42,327	₹2,38,63,892	₹3,68,47,091	₹3,88,01,765	₹4,20,886
11	₹1,96,715	₹20,52,407	₹37,88,734	₹1,01,03,289	₹2,30,67,391	₹3,69,59,414	₹3,90,11,821	₹4,69,890
12	₹2,10,485	₹21,55,028	₹40,53,945	₹1,08,10,520	₹2,19,69,079	₹3,68,33,544	₹3,89,88,572	₹5,21,876
13	₹2,25,219	₹22,62,779	₹43,37,721	₹1,15,67,256	₹2,05,25,578	₹3,64,30,555	₹3,86,93,334	₹5,77,116
14	₹2,40,985	₹23,75,918	₹46,41,361	₹1,23,76,964	₹1,86,88,381	₹3,57,06,706	₹3,80,82,624	₹6,35,883
15	₹2,57,853	₹24,94,714	₹49,66,257	₹1,32,43,351	₹1,64,03,316	₹3,46,12,924	₹3,71,07,638	₹6,98,452
16	₹2,75,903	₹26,19,450	₹53,13,895	₹1,41,70,386	₹1,36,09,951	₹3,30,94,232	₹3,57,13,682	₹7,65,110
17	₹2,95,216	₹27,50,422	₹56,85,867	₹1,51,62,313	₹1,02,40,934	₹3,10,89,114	₹3,38,39,536	₹8,36,156
18	₹3,15,882	₹28,87,943	₹60,83,878	₹1,62,23,675	₹62,21,270	₹2,85,28,823	₹3,14,16,766	₹9,11,907
19	₹3,37,993	₹30,32,340	₹65,09,750	₹1,73,59,332	₹14,67,513	₹2,53,36,595	₹2,83,68,935	₹9,92,695
20	₹3,61,653	₹31,83,957	₹69,65,432	₹1,50,06,275	₹0	₹2,19,71,707	₹2,51,55,664	₹5,33,977
21	₹3,86,968	₹33,43,155	₹74,53,012	₹1,07,17,587	₹0	₹1,81,70,599	₹2,15,13,754	₹3,92,069
22	₹4,14,056	₹35,10,313	₹79,74,723	₹56,99,323	₹0	₹1,36,74,046	₹1,71,84,359	₹4,96,499
23	₹4,43,040	₹36,85,829	₹84,13,821	₹0	₹0	₹84,13,821	₹1,20,99,650	₹5,99,447
24	₹4,74,053	₹38,70,120	₹29,31,959	₹0	₹0	₹29,31,959	₹68,02,079	₹85,772
25	₹5,07,237	₹40,63,626	₹0	₹0	₹0	₹0	₹40,63,626	₹76,805

Paper on your numbers (Pro)

Your spendable savings run out in year 25.

Saved plans (Pro)

What would it take? (Pro)

Other buffer sizes (Pro)

Your savings at the end of each year

Your buckets, year by year

How your money moves

Bucket 3 ₹2.19 Cr

Bucket 2 ₹48.00 L

Bucket 1 ₹18.00 L

Your spending ₹1.00 L a month

Emergency fund ₹12.00 L

Test your plan

Same returns, different order

Year by year