RetireOS simulates your financial future using real-world scenarios so you can retire with confidence, not assumptions.
Most retirement planning tools tell you how much money you might accumulate. They do not tell you whether your retirement survives.
Calculate your own unique inflation rate based on your lifestyle, rather than relying solely on generic government CPI and WPI numbers.
Model EPF, VPF, and PPF as custom asset classes with tax-free compounding rates.
Track NPS accumulation and map it as a custom retirement asset.
Simulate Direct Equity, Mutual Funds, and ELSS with volatile accumulation phases.
Model physical property (House, Flat, Land, Farm House) and REITs with yield growth.
Add Fixed Deposits as stable, predictable income sources and emergency buffers.
Project the vesting schedule and valuation of your RSUs and ESOPs over time.
Include Gold and other alternative assets in your diversified long-term portfolio.
Plan multi-year liquid buffers to survive severe market downturns without selling equity.
Build at your own pace, plan, iterate and improve
Add your income streams, custom asset classes, and upcoming life events. Create a comprehensive picture without dealing with complex spreadsheet formulas.
What if your personal inflation rate is higher? What if you take a career break at 45? Adjust your inputs manually and see the impact instantly.
Track your projected net worth year-over-year. See exactly when your corpus peaks or starts depleting based on your unique numbers and lifestyle choices.
This is what clarity looks like.
We developed RetireOS because we saw a massive gap in how Indians plan for their financial independence.
Most tools available today are either generic calculators that ignore the realities of Indian inflation and asset classes, or they are lead-generation traps built by institutions trying to cross-sell you products you don't need.
We wanted something different. A tool that provides absolute clarity on exactly when you can stop working. A tool that respects your privacy—running entirely in your browser so your sensitive financial data is stored as encrypted objects and never goes to a database.
We built the exact tool we needed for our own retirement planning. We hope it brings you the same peace of mind it brought us.
RetireOS