Step 1 — Enter Your Savings Profile
Current Savings Abroad (₹ Lakhs): The total amount you have invested or saved today — NRE FDs, mutual funds, PPF, overseas savings converted to ₹. If you hold foreign currency, use today's exchange rate to estimate the ₹ equivalent.
Monthly Savings Rate (₹ Lakhs/mo): How much you add to this corpus every month. Include SIP, FD instalments, or any disciplined savings. Even ₹50,000/month (₹0.5L) makes a dramatic difference over 10 years.
As you type, the tool shows you the local currency equivalent (e.g., MYR, USD, AED) so you can quickly cross-check against your payslip.
Step 2 — Set Your Return Timeline
Years Until You Return: How many more years you plan to stay abroad and keep saving. The tool instantly shows you the projected corpus at return date, compounding your current savings and monthly contributions at your chosen ROI.
Try changing this number and watch the projected corpus update — this is the most powerful input. An extra 2–3 years abroad can add crores to your corpus.
| Current Savings | Monthly SIP | ROI | 5 Years | 10 Years | 15 Years |
|---|---|---|---|---|---|
| ₹50L | ₹1.5L/mo | 8% | ~₹1.9 Cr | ~₹4.0 Cr | ~₹7.0 Cr |
| ₹1 Cr | ₹2L/mo | 8% | ~₹3.1 Cr | ~₹5.7 Cr | ~₹9.2 Cr |
| ₹50L | ₹1.5L/mo | 10% | ~₹2.1 Cr | ~₹4.9 Cr | ~₹9.5 Cr |
Step 3 — Set Your Post-Return Expenses
Monthly Expenses in India (₹/mo): Your expected spending after returning — rent/EMI, groceries, utilities, education, healthcare, travel, lifestyle. Be realistic. Most NRIs underestimate this because they forget how expensive children's education and healthcare become.
A practical benchmark: if you currently spend MYR 8,000/month abroad, a comfortable India equivalent is around ₹1.5–2L/month in a metro.
India Inflation Rate (% p.a.): Default is 6%, which is the historical average for India. Healthcare and education inflate faster (8–10%), so if those are major buckets for you, nudge this to 7%.
Step 4 — Set Corpus Return & Income
Investment Return on Corpus (% p.a.): The return your corpus earns after you return. Assume 8–9% for a balanced equity+debt portfolio, or 6–7% for a conservative FD-heavy approach. Do not use aggressive equity-only assumptions for money you'll actually be spending.
Expected India Income After Return (₹/mo): Any income you'll earn in India — consultancy, rental income, part-time work, pension, interest from FDs. This reduces how much you withdraw from the corpus each month. Even ₹30,000/month in rental income can add 5–7 years to corpus life.
Reading the Results
After clicking Calculate, you'll see four key outputs:
- Projected Corpus at Return: What you'll have when you land in India, based on your savings + contributions + ROI over the years until return.
- Corpus Survives X Years: How many years your money lasts given your expenses, income, inflation, and investment returns.
- Break-Even Monthly (Zero in 40 yrs): The maximum monthly spend that allows your corpus to last exactly 40 years — useful for setting a budget ceiling.
- Sustainable Monthly (Forever): Monthly spend at which your corpus never depletes — the interest earned covers all withdrawals indefinitely.
The Year-by-Year Table
Click ▼ Year-by-Year Table to expand the full simulation. Each row shows:
- Opening / Closing Corpus: Balance at start and end of each year. Watch for the year the closing balance turns red — that is when you run out of money.
- Investment Returns: What your corpus earned that year (grows as the corpus grows).
- Net Annual Expenses: Your total spend minus any income — this is what actually gets withdrawn from the corpus.
Common Mistakes to Avoid
Ignoring inflation: Many people enter today's expenses and use a 0% inflation assumption. At 6% inflation, ₹1L/month today becomes ₹1.8L/month in 10 years. The planner auto-escalates expenses by your entered inflation rate each year.
Over-estimating ROI: Using 12–15% equity returns for your post-retirement corpus is dangerous. You can't afford a 3-year market downturn when you're actually spending the money. Use 7–9% max.
Forgetting one-time costs: Children's higher education, medical emergencies, home purchase. Add ₹30–50L to your required corpus as a one-time buffer for these.