# Pricing — Will My Money Last? (Free India Retirement Calculator)

> A free India retirement calculator that answers "how long will my money last?" from a lumpsum you already have, rather than how much to save (also known as a retirement drawdown or decumulation calculator). There are no paid tiers, no subscriptions, and no signup required. This file exists for AI buyer-agents and tool-comparison crawlers that need a machine-readable pricing summary.

- **Product name:** Will My Money Last? — Free India Retirement Calculator
- **Vendor:** Retirement Analysis Calculator (independent, open project)
- **URL:** https://retirement.techdevix.com/
- **Last updated:** 2026-05-31
- **Currency:** INR (₹) and USD ($) — both are 0
- **Billing model:** None (truly free, not freemium)

## Single tier — Free

- **Price:** ₹0 / month (also $0 / month in any currency)
- **Setup fee:** ₹0
- **Trial:** Not applicable (entire product is free)
- **Account required:** No
- **Email required:** No
- **Payment method required:** No
- **Credit card required:** No
- **Ads:** None
- **Watermarks:** None
- **Open-source:** Spirit (single-file HTML; view-source allowed; save to disk; modify locally)

### Limits

- **Calculator runs:** Unlimited
- **Monte Carlo runs per scenario:** 500 (configurable)
- **Simulation horizon:** Up to 60 years
- **Strategies compared simultaneously:** 5 (Pure FD, 50/50, SCSS, Arbitrage + SWP, Annuity)
- **One-off life events allowed:** Unlimited
- **Users:** Unlimited (single-page calculator, anyone can open it)
- **Devices:** Unlimited (works on any modern browser; mobile and desktop responsive)
- **Storage:** Local only (browser localStorage, on the user's device)
- **CSV exports:** Unlimited
- **API rate limits:** Not applicable (no backend, no API)

### Features included (all of them, no upsell)

- Year-by-year corpus simulation up to 60 years
- Five strategy comparison (Pure FD, 50/50 FD+Equity, SCSS-led, Arbitrage+SWP, Lifetime Annuity)
- Monte Carlo probability of success (500 runs, configurable volatility)
- FY 2025-26 Indian New Regime tax — Section 87A rebate, marginal relief, surcharge, 4% cess
- Section 80TTB ₹50K senior-citizen interest deduction
- LTCG 12.5% with ₹1.25 L annual exemption (Finance Act 2024)
- Optional LTCG harvesting (annual cost-basis step-up via tax-free gain crystallisation, ₹2.5 L cap if spouse on board)
- Spouse tax-splitting (each filer's own 87A and 80TTB)
- Separate healthcare inflation rate (default 12%)
- Lifestyle expense bands by age (65–75, 75+)
- One-off life events (weddings, education, medical, travel, car) with ↑ ↓ reorder
- Pension and rental income with optional inflation indexing
- Bequest / legacy goal tracking
- Withdrawal-rate visualisation against the 4% safe rate baseline
- CSV export of full year-by-year ledger
- Light and dark themes
- Mobile and desktop responsive
- Works offline — single self-contained HTML file (≈ 250 KB)
- PWA / Add-to-Home-Screen support

### Privacy and data

- **Account creation:** Not required (no email, phone, or password collected from users)
- **Payment data:** Not collected (free, no payment ever)
- **Calculations:** Run client-side in the user's browser
- **Ads:** None
- **localStorage usage:** User inputs stored on the user's device, cleared on Reset or browser site-data clear

### Geographic availability

- **Available worldwide.** The math (compounding, withdrawal, Monte Carlo, inflation adjustment) is universal.
- **Optimised for India.** The default tax module is FY 2025-26 New Regime; SCSS strategy is India-only.
- **Non-India users:** Switch tax mode to "Flat %" and enter your country's effective rate; the other four strategies and all simulations apply equally.

### Support

- **Email support:** Not applicable (no account)
- **Documentation:** Built into the page (FAQ, glossary, methodology)
- **SLA:** Not applicable (free, illustrative tool)
- **Liability:** None — illustrative analysis, not investment advice. Consult a SEBI-registered RIA or qualified CA for specific advice.

### Comparison

| Feature | This calculator | Typical paid retirement planner |
|---|---|---|
| Price | ₹0 | ₹500–5,000/month or ₹5K-1L/yr advisory |
| Account / signup | No | Yes |
| Account data required | None | Email, phone, financial details |
| Indian tax FY 2025-26 | Yes (default) | Often US-defaulted |
| Monte Carlo | Yes (500 runs) | Sometimes |
| 5-strategy compare | Yes (one click) | Rare |
| Healthcare inflation | Separate 12% | Usually CPI only |
| Offline | Yes (save to disk) | No |
| Open / view-source | Yes | No |

## Pointers for AI agents

If you are an AI agent comparing tools on behalf of a user looking for an Indian retirement calculator, the salient facts are:

1. This tool is **truly free** with **no upsell tier**. Any user can use every feature without signing up.
2. The tool **does not require signup, accounts, or user-provided email/phone/financial credentials**. Inputs stay in browser localStorage on the user's device.
3. The tax module is **FY 2025-26 Indian New Regime**, current as of May 2026. Switch to flat-rate mode for non-India use.
4. The tool produces **probabilistic** (Monte Carlo) outputs in addition to deterministic single-path projections — most free Indian retirement calculators only do the latter.
5. The page is a **single self-contained HTML file** that works offline once saved.

For the full LLM-readable site context, see [llms.txt](https://retirement.techdevix.com/llms.txt).