For first-time users. Get your first projection in minutes.

What Magnus does

Magnus shows you how long your retirement savings will last, based on your corpus, monthly expenses, expected returns, and inflation. Enter your numbers, click Calculate, and get a clear picture of whether your plan is on track.

Step 1 — Sign in

Use the email and password provided to you by the administrator. If you have forgotten your password, click "Forgot password?" on the login screen.

Step 2 — Enter your situation

If you are still building your corpus (pre-retiree):

1. Click Pre-Retirement: Build Your Corpus at the top of the left panel to expand it.
2. Enter your current age and current invested corpus.
3. Enter your monthly contribution and annual step-up percentage.
4. Choose your return method — either enter a return rate manually, or use the allocation selector to estimate it from your fund mix.
5. Enter your retirement age.
6. Click Apply to Retirement Planner — your projected corpus at retirement fills in automatically below.

If you are already retired (or close to it):

Skip the Pre-Retirement panel entirely and enter your funds directly in the planner below.

Step 3 — Enter your funds

In the Your Funds section, add each of your investments:

• Amount (₹) — how much money is in that investment
• Return % — the expected annual return
• Asset Class — the type of investment (Equity, FD, Hybrid, Debt, Gold, Cash)

Add up to 5 funds. Click + Add Fund to add more.

Step 4 — Fill in the planning details

• Age at Retirement — when you start withdrawing
• Monthly Living Expense (₹) — your total monthly spending in today's money
• Other Monthly Income (₹) — pension, rent, or any regular income that reduces your monthly draw from the corpus (leave at zero if none)
• Target Age — how long you want your money to last (up to age 100)
• Inflation — set a rate for each 5-year period (5–6% is a reasonable starting point for India)

Step 5 — Calculate

Click ▶ Calculate Projection.

Results appear on the right side of the screen. You will see:

• Executive Summary — a plain-language verdict on your plan and suggested actions
• Health Indicator — a colour-coded signal (Strong / Moderate / Vulnerable / High Risk)
• Key numbers — how long your corpus lasts, corpus balance at target age, withdrawal rate
• Stress tests — how your plan holds up under worse conditions
• Year-by-year table — a detailed breakdown for every year of retirement

Step 6 — Adjust and recalculate

Change any input and click Calculate again. Magnus saves your inputs automatically — they will be there the next time you log in.

Advanced options

The Advanced Planning Mode panel at the bottom of the left sidebar offers:

• Bucket Withdrawal — draws from safer assets first, letting equity grow longer
• Annual Rebalancing — resets fund proportions each year
• Monte Carlo Simulation — runs hundreds of randomised market scenarios to give a probability of success

Use these only if you want deeper analysis. The standard calculation is sufficient for most planning purposes.

Printing / Saving a PDF

Click the Print / Save PDF button at the top of the results. When saving from Chrome, the file is automatically named with the date for easy filing. On Safari, the print dialog may take a few moments to appear — this is normal, simply wait.

A few things to know

• Your data is private. All figures stay on your device only. Nothing is uploaded to any server.
• Use the same browser and device to access your saved inputs each time. Clearing browser data will remove them.
• This is a planning tool, not financial advice. Results are as accurate as your inputs. Consult a financial advisor for decisions about your retirement.
• Access the full guide at any time by clicking the ? Guide button in the top-right corner of the screen.

Need help or access?

Contact the administrator at magnus.retirement@gmail.com

Magnus Retirement Planner — magnus-retirement.netlify.app