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Three Numbers Retirement Calculator
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Find your Survival, Comfort, and Freedom corpus | sneharege.com
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A. Monthly Expenses (₹)
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Expense CategoryAmount (₹ / month)
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Essential (rent/EMI, groceries, utilities, insurance, healthcare)
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Discretionary (travel, dining, hobbies, help at home)
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Luxury (upgrades, gifts, international travel, indulgences)
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Total Monthly Expenses0
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Annual Expenses0
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B. Assumptions
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AssumptionYour InputNote
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Current Age (years)
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Target Retirement Age (years)
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Life Expectancy — plan till (years)Conservative: use 90
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Current Investable Corpus (₹)
Liquid + EPF + NPS + MF
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Monthly Savings / SIP (₹)
What you invest, not spend
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Expected Portfolio Return (% p.a.)
Pre-retirement blended return
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Inflation Rate (% p.a.)
Use 6% for India long-term
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Current Calendar Year2026Auto-detected
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Retirement Calendar Year2026Calculated
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Years to Retirement0
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Retirement Duration (years)0
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C. Expected Lumpsum Investments
Enter calendar year and amount. Leave blank if not applicable.
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DescriptionCalendar YearAmount (₹)Years to Compound
FV at Retirement (₹)
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e.g. Bonus / Severance-0
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e.g. Gratuity-0
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e.g. Property sale-0
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Total Lumpsum FV at Retirement0
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D. Corpus Multiplier
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Multiplier (x Annual Expenses)25x
Enter 20, 25, or 30 | 20x = 5% SWR | 25x = 4% SWR | 30x = 3.3% SWR
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E. Your Three Numbers
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CorpusExpenses CoveredToday's ₹At Retirement ₹Gap / (Surplus)
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1. SurvivalEssential only00-
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2. Comfort
Essential + Discretionary
00-
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3. FreedomAll expenses00-
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F. Projected Corpus at Retirement
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SIP + Corpus Growth (FV)0
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Lumpsum Investments FV0
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Total Projected Corpus at Retirement0
SIP growth + lumpsum FV combined
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Notes
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 1. Blue cells are inputs. Change only blue cells.
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2. Gap / (Surplus): positive number = shortfall. Number in brackets = surplus over that corpus target.
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3. Lumpsum FV: each amount is compounded at the pre-retirement return rate from the year entered to retirement year.
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4. If a lumpsum year is entered after the retirement year, years to compound = 0 and the amount is added at face value.
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5. This calculator does not include EPF, NPS, rental income, or post-retirement part-time income. Those reduce the gap.
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6. Multiplier guide: 20x = 5% SWR (aggressive). 25x = 4% SWR (standard). 30x = 3.3% SWR (conservative).
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7. Post-retirement return is not used here. This tool sizes the corpus. Drawdown strategy is a separate exercise.
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For financial education only. Not investment advice. Consult a SEBI-registered fee-only adviser before any significant decision. | © 2026 Sneha Rege
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