How to use a retirement calculator

This is a 15 minute user manual for using a retirement calculator. It describes the nature of inputs found in typical retirement calculators highlighting the importance of reasonable inputs and erring on the side of caution.

Although freefincal retirement planner app now available at Google Play is used for the illustration, the video is applicable for all retirement calculators.

You can use the low-stress freefincal retirement planner in the following ways: screenshot-6

Excel file:  The low-stress retirement calculator (hopefully!)

Online for desktops/tabs: Online version of the low-stress retirement calculator

Mobile (not app): mobile friendly retirement calculator

Android app: Install the freefincal retirement planner app from Google Play

Advanced versions with features not found in the app are here:

The even lower stress retirement calculator!

Low-stress retirement calculator with flexible asset allocation

Register for the Hyderabad DIY Investor Workshop Nov 27th 2016

Check out the latest mutual fund returns listing


Buy our New Book!

You Can Be Rich With Goal-based Investing A book by  P V Subramanyam ( & M Pattabiraman. Hard bound. Price: Rs. 399/- (Rs. 359/- at Read more about the book and pre-order now!
Practical advice + calculators for you to develop personalised investment solutions

Thank you for reading. You may also like

About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

Do more with freefincal!

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete  the entire comment or remove the links before approving them.

3 thoughts on “How to use a retirement calculator

  1. Gomathi shankar

    Sir, I'm a government employees with nps.what should I enter in the "current monthly mandatory epf contribution" column? Should I enter only my contribution to nps or Should I include the total contribution to nps. Your narration says that "for epf or nps you enter the total contribution (yours plus employer's), for epf the calculator will take into account only your contribution,it's designed like that ". I'm not able to follow it.please clarify.

    1. freefincal

      You can enter the total subscription. For EPS subscribers a small amt from that subscription will go to EPS account. This is not relevant for NPS subscribers.


Do let us know what you think about the article