What does the Retirement Tracker show?
The working behind the Overview: the projection year by year, your financial freedom index and peer standing, the stress tests, the charts and the full ledger.
The Retirement Tracker is the same projection the Overview summarises, taken apart. Its heading is Your corpus, year by year: what your savings do each year, what could knock them off course, and the ledger underneath. Open it from the rail or with Open the tracker on the Overview. It needs a generated plan; before that it shows what it will hold.
From top to bottom
- The projection — Lasts the plan or Runs out, your verdict word beside it, the projected savings when you stop working, and two sentences on how to read them.
- For a couple, a line saying when each of you stops working and how long each is planned for.
- Niv’s read — a short narration of the figures by Nivritee’s assistant. When she has nothing to add the page says so; every figure is complete without her.
- Financial freedom index and Where you stand — your score out of 100 and how you compare with households in your country.
- The savings chart — Your savings across your whole life, not just to the day you stop working — with a mark where you stop working and, if it happens, where the money runs out.
- What if things go wrong? — the stress tests, and under the chart If this happened, what the ticked tests change.
- What stands out — findings from your numbers, most important first, each tagged Needs attention, Watch this, Good or Note.
- Five charts: Money in, money out, How that changes over your life, How fast you draw on your savings, Where the money goes and What is funding this.
- Year by year — the ledger, every year of the plan.
- What this plan does not model, and How this is calculated, which sets out the seven steps run for every year.
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 tracker as the site draws it for the illustrative household: savings rising to 55 and lasting to 90, and one line with two stress tests ticked together that runs out at 82.
- The verdict and the six-step scale.
- Savings when you stop earning: ₹8.45Cr, about ₹4.34Cr in today’s money.
- Your plan, against a 2008-style crash with your money abroad buying 15% less.
- Three rows of the ledger: opening, growth, income, outflow and closing.
Illustrative figures — not anybody’s real plan.
The seven steps, briefly
Each year, income grows at your income growth rate and stops when you stop working; each spending category rises at its own inflation rate and loan payments are added; any life goal due that year is added at its future cost; savings earn the return before or after independence; income minus everything spent gives the year’s cashflow; opening savings plus growth plus cashflow gives the closing figure, which opens the next year; and the withdrawal rate is what was taken from savings as a share of the opening figure.
See this in your own plan.
Open Retirement TrackerLast reviewed 1 October 2026.