UrbanRetire
Sector-honest retirement math

The retirement number you can actually trust.

Most calculators average everything to one inflation number. Real life doesn't — healthcare runs at 13%, school fees at 11%, restaurants at 9%. UrbanRetire models each separately, gates life stages by year, and projects your investments forward to tell you if you're on track.

HousingHealthcareEducationFoodTravel+ 8 more
No account — save & restore with just your email.~3 minutes to your number

Sector-honest inflation

Healthcare, school fees, travel, and lifestyle each compound at their own rate — not one blended number.

Education modeled by phase

School (classes 1–12), college (IIT-class baselines), and optional postgrad (IIM-class) — per kid, per year.

Housing that thinks

Rent, EMIs, planned purchases, and outright ownership track differently. We model each path.

Step-up SIP projection

Compound your existing portfolio + step-up SIP forward. See if you're tracking the corpus you actually need.

No password — anyone who enters this email can load the plan. Don't use it for other people's data.

1 / 12About you8%

Hi there 👋

Let's plan your retirement honestly.

Planning estimates only — not financial advice. Returns and inflation are uncertain; calibrate to your own assumptions.

Built with sector-specific inflation, life-stage gating, a 3% safe withdrawal rate, and a 3-bucket post-retirement strategy.

Saving by email is optional and has no password — anyone who enters your email can open that plan, so don't use it for other people's data. You can delete your saved data anytime from the run bar.