Two homes.
One plan.
Wisely.
The only retirement planner tuned for NRIs - UAE, India, US and UK rates, / tax, AED/INR/USD/GBP currency mix, and a two-bucket simulation verified against a 53-test suite.
Tools your friends use
weren't built for you.
US calculators assume you'll pay 15% on long-term gains. Indian ones assume your inflation is 6%, not the 3% you actually live with. Generic blogs don't know what is. Your portfolio sits across FDs, , equity in three countries, and a flat in Bangalore. None of that fits a one-size-fits-all template.
Six lenses on the same numbers.
Personalised target
Net of dependants, lifestyle, sinking funds and milestones - not a generic 25× figure.
Two-bucket simulation
Month-by-month / with refill logic, bi-annual step-ups, lump-sum events.
Three-scenario compare
Retire at 52, 55, 58 - see corpus, draw and depletion side-by-side.
Withdrawal guardrails
Red/Amber/Green/Bonus zones with NRI-specific actions.
Cash-flow Sankey
Year-by-year inflows vs outflows; medical visibly outpaces other categories.
NRI tax suite
, vs , harvesting, window for return-to-India.
Monte Carlo
1,000 randomized return paths to stress-test your plan.
Withdrawal-order optimiser
Tax-efficient sequencing across , , foreign and Indian accounts.
Unlimited plans + history
Keep separate plans per scenario, with full version history.
How it works
- 1
Tell us about you
Age, family, lifestyle, health, where you plan to retire. 2 minutes.
- 2
Sketch your numbers
Rough corpus, monthly spend, future inflows. Currency-aware. Saves locally.
- 3
See six lenses
target, two-bucket sim, scenarios, guardrails, Sankey, NRI tax - all at once.
- 4
Adjust and revisit
Tweak any assumption. Compare to last quarter. Export when you're ready.
Simple pricing.
- ✓ Full planning suite
- ✓ Six output lenses
- ✓ NRI tax optimiser
- ✓ 3 saved plans
- ✓ Advisor matching
- ✓ Everything in Free
- ✓ Monte Carlo (1,000 paths)
- ✓ Withdrawal-order optimiser
- ✓ Unlimited plans + history
- ✓ Priority advisor matching
Common questions.
Is my data private?+
Plans live on your device by default. If you sign in, plans sync to your account - encrypted at rest, never shared, deletable at any time.
Are these tax assumptions accurate?+
Yes for current jurisdictions, but tax law changes. We update rates annually. For a binding plan, consult an SEBI-registered advisor (we can match you).
What if I move country mid-retirement?+
Pro will support multi-jurisdiction modelling. Today, model your dominant retirement geography first.
Why is the so different across countries?+
Because inflation differs. India's 6% inflation needs a 3% ; UAE's 3% inflation supports a 4% . We use country-specific rates throughout.
Will this give me a "yes, retire now" button?+
No tool can. We give you the four numbers that matter - net need, target, projected corpus, gap - and let you make the call.
Do I have to enter exact amounts?+
Rough estimates get you 95% of the value. Refine over time.