Set an annual investment target with yearly increase. Log actual contributions monthly or annually and compare cumulative progress.
Enter actuals as
Cumulative actual invested
₹0
| Year | Target | Actual | Cum. target | Cum. actual | Progress |
|---|---|---|---|---|---|
| 1 | ₹2,00,000 | ₹2,00,000 | ₹0 | 0% | |
| 2 | ₹2,20,000 | ₹4,20,000 | ₹0 | 0% | |
| 3 | ₹2,42,000 | ₹6,62,000 | ₹0 | 0% | |
| 4 | ₹2,66,200 | ₹9,28,200 | ₹0 | 0% | |
| 5 | ₹2,92,820 | ₹12,21,020 | ₹0 | 0% | |
| 6 | ₹3,22,102 | ₹15,43,122 | ₹0 | 0% | |
| 7 | ₹3,54,312 | ₹18,97,434 | ₹0 | 0% | |
| 8 | ₹3,89,743 | ₹22,87,178 | ₹0 | 0% | |
| 9 | ₹4,28,718 | ₹27,15,895 | ₹0 | 0% | |
| 10 | ₹4,71,590 | ₹31,87,485 | ₹0 | 0% |
Set a rising annual savings target and log what you actually invested in NPS, EPF, mutual fund SIPs, PPF or other retirement vehicles. Progress compares cumulative contributions — not market returns.
Last updated: 19 August 2026. Tracks contributions, not market returns.
Retirement planning is not only about projected corpus — it is about whether you actually save what you planned each year. This tracker sets an annual investment target (with optional yearly increase), lets you log actual contributions, and shows cumulative progress with a visual bar.
Combine with our NPS, EPF and PPF calculators for return projections.
Set your year-1 annual savings target and how much you want it to rise each year (e.g. 10% when salary grows). Enter actual investments annually or as 12 monthly amounts. The table shows target vs actual and cumulative progress percentage.
NPS is regulated by PFRDA; mutual funds by SEBI. Neither guarantees returns. This worksheet helps discipline and accountability — not product selection. Consult a SEBI-registered investment adviser for personalised allocation.
It helps you set an annual investment target (with optional yearly increase), then compare what you actually invested each year against the plan. Useful for NPS, EPF top-ups, mutual fund SIPs and PPF combined tracking.
If you set 10% annual increase, year 1 uses your base target, year 2 uses base × 1.10, year 3 uses base × 1.21, and so on — modelling salary growth or rising savings discipline.
Yes. Toggle monthly mode and enter 12 month-wise amounts per year; the calculator sums them into the annual actual for that row.
Cumulative actual investment divided by cumulative target investment up to that year. Above 100% means you exceeded the plan; below 100% means you are behind.
No — this tracker compares contribution amounts only, not corpus growth. Pair with EPF, NPS or SIP calculators for return projections.
No. This is a personal planning worksheet. Consult a SEBI-registered investment adviser for portfolio allocation.
Sum yearly or monthly amounts you actually contributed across EPF, NPS and mutual fund SIPs toward retirement, then compare with your annual target. The tracker measures saving discipline, not market value growth unless you update balances.
Yes — use the annual target increase so the goal keeps pace with income and inflation. Review progress each year; falling behind early is easier to fix than catching up near retirement.
Disclaimer: Personal planning tool. Not investment or tax advice.
Extra monthly SIP if you postpone retirement investing.
Sustainable annual income from a retirement corpus.
Project NPS corpus, lump sum, annuity and illustrative monthly pension.
Project EPF balance with employee and employer contributions.
Term cover for inflation-indexed family income and liabilities.
Cover need including spouse income and children's marriage goals.
Ready when you are
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