Retirement Tools

Subscribe and join the freefincal Youtube community!

 Don't like ads but want to support the site? Subscribe to the ad-free newsletter! 
You will get the full post-ad-free delivered to your inbox for Rs. 3000 a year. Follow this link to read the terms and sign up! 
Want to conduct a sales-free "basics of money management" session in your office?
I conduct free seminars to employees or societies. Only the very basics and getting-started steps are discussed (no scary math):For example: How to define financial goals, how to save tax with a clear goal in mind; How to use a credit card for maximum benefit; When to buy a house; How to start investing; where to invest; how to invest for and after retirement etc. depending on the audience. If you are interested, you can contact me: freefincal [at] Gmail [dot] com. I can do the talk via conferencing software, so there is no cost for your company. If you want me to travel, you need to cover my airfare (I live in Chennai)

Connect with us on social media

Do check out my books

You Can Be Rich Too with Goal-Based InvestingYou can be rich too with goal based investing

My first book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create customg solutions for your lifestye!Get it now.  It is also available in Kindle format.

Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want

Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you want My second book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a youngearner

The ultimate guide to travel by Pranav Surya

Travel-Training-Kit-Cover This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step.  Get the pdf for ₹199 (instant download)

Create a "from start to finish" financial plan with this free robo advisory software template

Free Apps for your Android Phone

All calculators from our book, “You can be Rich Too” are now available on Google Play!
Install Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)

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.

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.
Updated: September 4, 2018 — 10:57 am

The Author

M. Pattabiraman

This article is authored by M. Pattabiraman. He is the co-author of two books: You can be rich too with goal based investing and Gamechanger. He is a patron and co-founder of "Fee-only India" an organisation to promote unbiased, commission-free investment advice “Pattu” as he is popularly known, publishes research, analysis and holistic money management advice at which serves more than one million readers a year. has more than a 100 free calculators on different aspects of insurance and investment analysis, including a robo advisory template for use by beginners.


Add a Comment
  1. sir..good afternoon..your articles are so helpful for me..

  2. Dear sir,

    Can you consider doing an article for lumpsum vs sip considering a case of one time proceeds which is the case of a inheritance,sale of business etc.


    1. Will write on this. The answer is simple: Do not compare apples and oranges.

  3. Thanks for your reply. Kindly request you to also consider a case where the inheritance is at a young age and large compared to existing fast do we reach the asset allocation desired?what are the factors to be considered?

  4. Good collection of calculators.

    I have bookmarked page in Pocket for future reference. I will also share this on social media.

  5. In the Bucket strategy, Does investment into ELSS for people on the verge of retirement helps rather than invest in large cap or mid cap funds ?

  6. Hi
    I am 31 years old
    And I am looking for better retirement planning.
    What do you think I should invest in? P2P or mutual fund?
    Or something else?

    1. I do not provide investment advise. Please have an asset allocation and invest as per that.

  7. Sir request you to post an article about reverse mortgage . How to incorporate that in Retirement Calculation .

  8. Hi Sir,
    This sheet is really awesome and so useful for financial planning.
    I have one question:
    From the sheet step 3, I know the corpus required, how much I should invest in equity/fixed instruments and how to balance the portfolio year on year. If I review after one year or may be 5 years, how do I know my investments have been grown up in track with respect to my goal, i mean the return on investment is as per the inputs mentioned in step 2 sheet.
    Can you please add a column mentioning the minimum value of our investment at the end of each year or percentage of corpus is also fine. This will be helpful for the quick review of our portfolio.

  9. Dear Sir,
    Is there any calculator for persons of middle age 40+ going to receive indexed pension kindly notify

    1. Please use my robo advisory template

  10. I have been a regular visitor to your site and find it quite useful for analytics of various investments. I really applaud your work and help in these articles. Though I agree that you need to support this site with advertisements, I do find some of them to be distasteful and too intrusive. If I want to download any calculator for instance it not only takes me to the advertisers site but forces me to install their software which appears to be prone to hacking. Due to this I had to back away from downloading anything from this site. I am not sure why you have set it up this way as it could be quite dangerous for people to install software they don’t understand/want.
    I hope this can be fixed.


Leave a Reply

Your email address will not be published. Required fields are marked *