RetireWise

Explisoft

About this app

Take the guesswork out of your financial future. RetireWise is a powerful, privacy-first retirement planning and withdrawal calculator built specifically for the Indian economy, investment accounts, and tax laws. Most retirement tools rely on flat rates and Western assumptions. RetireWise is calibrated for India's unique financial landscape—helping you map out exactly how your NPS, EPF, PPF, Mutual Funds, and Fixed Deposits will compound, endure, and be taxed year-by-year throughout your retirement. WHY RETIREWISE IS DIFFERENT100% Privacy-First: No accounts, no signups, and zero data tracking. All complex calculations run entirely on your local device. Your financial data stays yours. True Indian Tax Engine: Built using the latest FY2025-26 tax rules (New Tax Regime). It accurately processes complex rules like the Section 87A rebate, 4% health and education cess, Mutual Fund LTCG changes, and account-specific exemptions automatically. 5 Advanced Withdrawal Strategies: Moving past basic math. Explore how different distribution frameworks impact your corpus lifespan: The 4% Rule (Calibrated for Indian inflation)The Guardrails Approach (Dynamic ±10% adjustments)Constant Percentage of Current BalanceThe 3-Bucket System (Cash, Bonds, Equity allocation) Required Minimum Distribution (RMD) MethodCOMPREHENSIVE MULTI-ACCOUNT TRACKINGStop bundling your nest egg into one flat percentage. RetireWise models the precise legal and growth structures of your individual holdings: NPS (National Pension System): Accounts for the 60% tax-free lump sum and handles the remaining 40% annuity as regular income. EPF (Employees' Provident Fund): Factors in current compounding rates and tax-exempt withdrawals after 5 years of service. PPF (Public Provident Fund): Fully maps out EEE (Exempt-Exempt-Exempt) tax advantages. Mutual Funds (Equity/Debt): Integrates long-term capital gains (LTCG) structures. Fixed Deposits (FD) & Debt: Automatically calculates tax liability based on your definitive income slab. POWERFUL VISUALS & SCENARIOSInteractive Timeline: Tap on any future year on your interactive chart to see a transparent breakdown of your remaining balance, post-tax monthly income, and paid taxes for that exact year. Accumulation Mode: Still earning? Model your ongoing monthly contributions and watch them compound up to your retirement date before transitioning seamlessly into payout mode. FIRE Mode (Financial Independence, Retire Early): Planning early retirement at 35 or 40? Stress-test whether your asset allocation can comfortably sustain a 30 to 55-year drawdown horizon without running dry. Shortfall Alerts: Instantly spot if your current strategy runs a risk of running out of money, giving you the clarity needed to adjust variables well in advance. Stop guessing your retirement readiness based on generic math. Download RetireWise today and build a detailed, secure, and completely private withdrawal roadmap tailored to India’s financial reality.

What’s new

Calculate your FIRE number