Retire When You Want To — Not When Your Savings Run Out

A simple rule of thumb: multiply your desired monthly retirement income by 300. So if you need ₹1 lakh/month post-retirement, you need roughly ₹3 crore. But this varies based on inflation assumptions, return expectations, and life expectancy — we build a personalised calculation for you.

For most urban professionals, EPF and PPF alone cover only 20–30% of retirement income needs. The gap between what these accumulate and what you actually need can be crores — and that gap needs to be filled through systematic investing over your working years.

NPS is a good retirement vehicle, especially for the additional ₹50,000 tax deduction under 80CCD(1B). However, it has restrictions on withdrawal at maturity (40% must be annuitised). We evaluate whether NPS fits your plan or if pure MF-based retirement investing is better for your situation.

Primarily through Systematic Withdrawal Plans (SWPs) from mutual funds. A well-structured SWP from a balanced fund can generate monthly income while keeping the corpus growing — often outperforming traditional annuity products.

Not at all, but urgency matters more now. At 45, with 12–15 years to retire, you need higher monthly contributions than someone who started at 30. We'll show you exactly what's needed and what's realistically achievable.

We build flexibility into the plan. We review it annually and recalculate based on actual income, investment performance, and life changes. No plan is static — it evolves as you do.