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Can I retire? How long will your pot last?

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Add your savings and what you spend. See if the money lasts, and what you would need if it does not.

A simple model with a steady real return. Real returns vary. Not advice.

Common questions

How much do I need to retire?

About 25 to 30 times your yearly spending from savings, less any pension income.

Is the 4% rule safe?

It is a starting point. Returns vary, so many people plan on a lower rate.