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How do I choose the age I stop working?

Enter the age you would like to stop earning a salary, generate the plan, then let the verdict and the projected independence age tell you whether that age holds up.

Start with the age you want, not the age you think you can afford. Age you reach independence is the age you stop earning a salary. Enter it, generate the plan, and the results tell you whether it works and by how much.

What the age switches

  • Your salary and bonus stop that year; a partner who earns stops at their own age. Other income — rent, a pension already paying — carries on if you said it does.
  • Your savings stop growing at Investment return while you are working and start growing at Investment return after you stop earning.
  • From that year the projection draws on your corpus to pay for your spending.

The year you turn that age is the first year without a salary. An age below your current one is allowed — it simply means you have already stopped.

Finding an age that works

  1. Enter your preferred age under You & your assumptions and press Re-generate my plan.
  2. Read the verdict word on the Overview and the age at which the projection actually reaches independence on the Retirement Tracker.
  3. If the projected age is later than yours, look at What would move this on the Overview — each lever is re-run through your whole projection and says how many years earlier it brings you.
  4. Try an age a year or two either side and re-generate each time. The plan reprices in seconds.

Overview

What would move this

Each one re-run through your whole projection, against the 54 it currently projects.

  1. 1 year earlierSave a little moreA tenth of the ₹1,21,200 a month your plan already leaves over.
  2. 1 year earlierLive on a little less laterA tenth of the ₹15L a year your plan says the life you have now will cost once you stop earning.
  3. No earlierClear the costliest loanThe ₹35,00,000 outstanding on Home loan, at the 8.3% your own repayment schedule implies.
And on Investment Performance

1Ahead of plan ₹63.86L — Returning 12.7% against the 11.0% your plan assumes, over 4.3 years.

2Not yet listed ₹10L — ₹10,00,000 of what you hold is a single figure — list it as holdings to see its return.

Each figure is a projection on today’s assumptions, not a promise — and each is one change on its own, not all of them together.

What would move this, for the illustrative household: each lever re-run through the whole projection against the age it currently reaches.

  • Save a little more — 1 year earlier.
  • Live on a little less later — 1 year earlier.
  • Clear the costliest loan — No earlier.

Illustrative figures — not anybody’s real plan.

See this in your own plan.

Open You & your assumptions

Last reviewed 1 October 2026.