Two homes.
One plan.
Built wisely.
You call two places home — the country you live and work in today, and the one you'll settle in (or already have). Most planners only do one or the other. We do both — tax in two countries, savings across currencies, the FD in Dubai alongside the flat in Bangalore — in a single plan. So you can see, in plain English, whether your plan actually works. 2 minutes to start. Free.
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.
The numbers serve this moment.
Retirement isn't a spreadsheet — it's mornings by a lake, grandkids who won't stop visiting, the freedom to say yes to small things. We work backwards from there: what would your money have to do to get you to that bench, that cup of tea, that horizon — without the worry that something gets cut along the way.
Every line in the planner — the target, the two-bucket draw, the we deduct, the rental we offset against your need — exists to answer one question: does my plan get me there?
Answers to the questions that actually matter.
The technical machinery (FIRE math, two-bucket sim, NRE/NRO tax, RNOR window) is in there. But you don't need to know any of that to read your plan — every screen answers a question you'd actually ask.
How much do I really need?
Personalised target — net of dependants, lifestyle, recurring purchases and milestones. Not a generic 25× rule of thumb.
Will my money last?
Month-by-month two-bucket simulation with refill logic, inflation step-ups, and lump-sum events. See the year your real corpus would deplete.
When can I retire?
Three-scenario comparison — retire at 52, 55, 58 side-by-side. See corpus, monthly draw, and depletion age for each.
Can I spend safely?
Withdrawal guardrails — Red / Amber / Green / Bonus zones with NRI-specific actions for when to ease back vs when there's room.
Where does my money go?
Year-by-year cash-flow Sankey — inflows vs outflows, with medical visibly outpacing other categories as you age.
What about NRI tax?
Full + vs handling, harvesting, and the window if you're returning to India.
What if markets go bad?
Monte Carlo stress test — 1,000 randomised return paths to see how often your plan survives under bad luck.
How do I withdraw smart?
Tax-efficient withdrawal-order optimiser — sequences across , , foreign and Indian accounts to minimise lifetime tax.
Can I save and compare?
Keep unlimited plans per scenario, with full version history. Compare last quarter vs now to see what moved.
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.
All this math so you can be here.
The annual family trip to Goa. The grandkids visiting for summer holidays. The freedom to fly back for a wedding without checking your account. A plan that holds means your money stops being a thing to worry about — and goes back to being a way to show up for the people you love.
Simple pricing.
- ✓ Full planning suite
- ✓ Seven 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.