Why does everything say "projected"?
Because every figure about the future is an estimate under stated assumptions, not a prediction. The word is a reminder that the answer moves when the assumptions do.
Because nobody knows the future, and Nivritee does not pretend to. Every figure about a year to come is worked out from your figures and a set of assumptions — inflation, returns, income growth — that you can see and change. “Projected” says exactly that: this is where the arithmetic leads if the assumptions hold, not a promise that they hold.
What a projection is
For every year from your age today to the end of your plan, the same steps run: income grows, each kind of spending rises at its own inflation rate, life goals land in the year they fall due, savings earn the return for that stage of life, and the year closes. That closing figure opens the next year. The Retirement Tracker shows every one of those years in its ledger, and How this is calculated sets out the steps.
Retirement Tracker
Workable Lasts, with a modest cushion
- A 2008-style crashRuns out at 83
- Your money abroad buys 15% lessLasts to 90, ₹3.96Cr lower
- Both togetherRuns out at 82
| Age | Stage | Opening | Growth | Income | Outflow | Closing |
|---|---|---|---|---|---|---|
| 54 | Working | ₹7.22Cr | +₹81.5L | ₹1.4Cr | −₹98.7L | ₹8.45Cr |
| 55 | Retired | ₹8.45Cr | +₹58.2L | — | −₹29.75L | ₹8.73Cr |
| 56 | Retired | ₹8.73Cr | +₹60.15L | — | −₹30.94L | ₹9.02Cr |
The Retirement Tracker for the illustrative household: the corpus year by year, a stressed line beside it, and the first rows of the ledger.
- Savings when you stop earning: ₹8.45Cr — about ₹4.34Cr in today’s money.
- Your plan, against a 2008-style crash and money abroad buying 15% less together — that line runs out at 82.
- The ledger: opening, growth, income, outflow and closing for each age.
Illustrative figures — not anybody’s real plan.
Two kinds of money
A figure decades away is in that year’s money, which is why it can look very large. Where it helps, the app also states it in today’s money, so you can compare it with what things cost now.
How to use projected figures
- Read the verdict word and the stress tests together: the first is the central case, the second shows how far it can move.
- Change an assumption and re-generate to see how sensitive your answer is.
- Revisit the plan as life changes; a projection is a snapshot of what you know today.
Last reviewed 1 October 2026.