Explore practical calculators and assessment tests for retirement income, readiness, independence, wealth, corpus planning, systematic withdrawals, estimated SWP taxation and future healthcare costs in India.
Guided assessments
Assessment Tools
Review broader retirement readiness and independent-living considerations before exploring individual calculations.
Choose a calculator, enter your assumptions, then calculate when you are ready.
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Retirement Income Gap
See whether the retirement income you expect covers the monthly spending you expect.
One calculation, two numbers that matter. The result compares expected monthly spending and income. It does not assess overall retirement readiness or recommend investments.
Where are you today?
Used only to estimate spending at retirement.
Monthly spending
Expected monthly income
Your result will appear here
Enter your monthly spending and expected income, then select See my result.
Your income position
Monthly spending
Monthly income
Today’s spending
What to explore next
These are educational next steps, not personalised advice.
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Your Wealth Calculator
See how a starting balance could change with an assumed return and recurring additions or withdrawals.
Your inputs
Money movement
Money added
Recurring additions occur at the end of each payment period.
Money withdrawn
Recurring withdrawals occur at the end of each payment period.
Your result will appear here
Enter a starting balance, expected return and time period, then choose how money moves.
Starting balance
Money added
Money withdrawn
Total growth
Balance over time
Next steps
Use the result to explore relevant educational content, not as personalised advice.
Annual breakdown
Year
Starting balance
Money added
Money withdrawn
Growth
Balance
Growth is calculated monthly using the annual return divided by 12. Cash flows occur at the end of each payment period, and annual increases apply every 12 months.
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Retirement Corpus Calculator
Estimate the corpus required to support inflation-adjusted living expenses over a 25-year retirement.
Your inputs
Enter the monthly spending you want the retirement corpus to support.
Your result will appear here
Enter your ages, spending and assumptions, then calculate your required corpus.
Estimated retirement corpus
Illustrative corpus required at age .
Monthly expense at retirement
Retirement period used25 years
This estimate connects today’s spending with inflation and an assumed return. It is an illustration, not a guarantee.
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SWP Sustainability Calculator
See whether a planned monthly withdrawal may last for the selected period and how much corpus could remain.
Your inputs
Use zero for a level withdrawal or enter an increase to illustrate rising withdrawals.
Your result will appear here
Enter your corpus, withdrawal and planning assumptions, then calculate the illustration.
Withdrawal illustration
Estimated closing corpus
Total withdrawals
Last monthly withdrawal
Corpus retained
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SWP Tax Estimator
Create a simplified illustration of potential tax on the gains portion of systematic withdrawals.
Your inputs
Tax normally applies to the gain component, not the entire withdrawal.
Used only for the debt/slab-rate illustration.
Your result will appear here
Enter the withdrawal, gain portion and tax assumptions, then estimate the tax.
Simplified tax illustration
Estimated post-tax monthly withdrawal
Estimated annual tax
Effective tax rate
This is a simplified educational estimate. Tax treatment depends on applicable law and individual circumstances.
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Health Inflation Planner
Project how annual out-of-pocket healthcare expenses may grow over a chosen planning horizon.
Your inputs
Your result will appear here
Enter today’s healthcare spending and your planning assumptions, then calculate the projection.
Healthcare cost illustration
Total projected spending over years at %.
Cost at age
Cost at age
This projection illustrates compounding healthcare costs and is not a medical-cost forecast.
Important: GreySmiles calculators are provided for educational and planning purposes only. The results are illustrative estimates based on the information, assumptions and inputs provided by the user and should not be considered personalised financial, investment, tax, medical or other professional advice. Actual outcomes may vary based on individual circumstances, market conditions, applicable laws, inflation, returns and other factors. Users should consider their individual circumstances and seek appropriate professional advice where required.
