Calculators
Answers: How much should you save?
Plan a retirement that crosses borders.
Earn in one currency, invest in another, spend in a third. Model every currency conversion, conversion cost, and rate change in one calculator — built for NRIs, Global Indians, and anyone whose future spans more than one rupee.
Calculator · Live
Global Retirement Planner
1 · Your story
Start with an example, then tweak anything below.
Currency mix
Salary currency → where you invest → where you spend in retirement.
Earn
Invest
Retire
2 · Money & timeline
All lifestyle amounts use your Retire currency (INR).
Goal
Example: you spend ₹1.5L/mo now — we inflate that to your retirement age.
Existing Corpus
Monthly spend today (INR)
₹1.5L
Current age
31 yrs
Retire at age
58 yrs
Life expectancy
85 yrs
Expected return / yr (INR)
11.0%
%
FX & conversion
Typical fees when moving money between currencies. Fine-tune in Assumptions below.
Conversion fee per transfer
%
AED vs INR — rate change / yr
%
How fast you assume AED strengthens vs INR each year.
Apply fee when investing and withdrawing
Once when you invest, once at retirement
Years to retirement
27 years
Years in retirement
27 years
Conversion cost
0.4%
Return after retiring
7%
Inflation (INR)
7% / yr
Your plan
Earn in 🇦🇪 AED · Invest in 🇮🇳 INR · Retire in 🇮🇳 INR
Retire in 27 years · Save AED5k/mo from salary
Corpus projection
Earn in 🇦🇪 AED · Invest in 🇮🇳 INR · Retire in 🇮🇳 INR
Shaded area = if annual returns are higher or lower than your 11% assumption (±4 pts). Not a guarantee.
Future amounts in nominal INR.
The cross-border tax: earning, building, and spending in different currencies stacks inflation twice. Today's saving has to do the heavy lifting — compounding closes the gap.
Required Monthly SIP
AED5k
Save from salary in AED to reach ₹23.4Cr at retirement.
AED5k/mo now · year 5: AED4k/mo
Corpus at retirement
₹23.4Cr
Target in INR · nominal at retirement
Monthly Spend at Retirement
₹7.2L
today: ₹1.5L/mo · inflated to 58
Where your corpus comes from
in INR · ₹23.4Cr total
You contributed · ₹2.9Cr (12%)
Market gave back · ₹20.6Cr (88%)
Currency rates and conversion costs affect what you invest and what you receive at retirement.
This calculator is for illustration. Not investment advice.
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