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Retirement Planning

Retire on your
terms, not someone else's timeline.

Most people reach retirement underprepared — not because they didn't earn enough, but because nobody helped them plan early enough. We change that.

Calculate My Corpus Book Free Consultation
₹3Cr
Avg. retirement corpus
60+
Retirement plans crafted
25yr
Longest horizon managed
Retirement Corpus
NPS Planning
SWP Strategy
Inflation-proof Income
EPF Optimisation
Pension Planning
Drawdown Strategy
Senior Living Fund
Retirement Corpus
NPS Planning
SWP Strategy
Inflation-proof Income
EPF Optimisation
Pension Planning
Drawdown Strategy
Senior Living Fund
The Problem

Why India's retirement
crisis is hiding in plain sight.

India has no social security net. If you don't plan your retirement, nobody will. These are the traps most people fall into.

📅
Starting too late
Retirement planning starts when you first earn, not when you turn 50. A 10-year delay in starting a ₹20,000/month SIP can cost you ₹2+ Cr in final corpus.
📈
Underestimating inflation
At 6% inflation, today's monthly expense of ₹75,000 becomes ₹2.4L in 20 years. Most retirement calculations ignore this silent wealth destroyer.
🏥
No healthcare buffer
Healthcare costs rise at 12-15% per year — faster than any other expense. Post-retirement, one serious illness can wipe out years of savings without a dedicated buffer.
🧮
Wrong corpus target
"I need ₹1 Cr to retire" is one of the most expensive myths in personal finance. Most professionals in urban India need 4-8 Cr, depending on lifestyle and longevity.
💼
Over-reliance on EPF
EPF is a great foundation, but it rarely builds enough corpus for a comfortable retirement. Many people plan as if EPF alone will cover 20-30 years of post-retirement life.
🔻
No drawdown strategy
Knowing how to withdraw in retirement is as important as how to invest. Without a structured SWP plan, most retirees deplete corpus within 10 years.
Our Framework

Four phases of a
retirement-proof plan.

We think of retirement planning in four distinct phases — each with its own strategy, instruments, and milestones.

01
Corpus Goal Calculation
We compute your target retirement corpus accounting for current expenses, inflation, life expectancy (90+), healthcare costs, and desired lifestyle post-retirement.
02
Accumulation Phase Design
Aggressive equity-heavy SIPs with annual step-ups, NPS contributions, and EPF maximisation — all aligned to your retirement year and corpus target.
03
Pre-Retirement Rebalancing
5 years before retirement, we systematically shift your portfolio from equity to hybrid to debt — protecting your corpus from sequence-of-returns risk.
04
Drawdown & Income Strategy
SWP design, dividend income, annuity allocation, and emergency healthcare corpus — a structured monthly income plan that lasts as long as you do.
Retirement lifecycle phases
Accumulation (Age 25–50)
Aggressive growth. Equity-heavy SIPs with annual step-ups. EPF + NPS maximisation.
Transition (Age 50–58)
Gradual debt shift. Capital preservation. Healthcare corpus building.
Income (Age 58–75)
SWP + dividend income. Senior Citizen Savings Scheme. Inflation-protected annuity.
Legacy (75+)
Estate structuring. Will execution. Trust for dependants. Wealth transfer.
Retirement Calculator

How much corpus
do you actually need?

Enter your numbers. We'll compute the corpus required, the monthly SIP needed, and show you the accumulation vs. drawdown timeline.

Your Retirement Inputs
Current Age 35 years
Retirement Age 60 years
Monthly Expenses Today ₹75,000
Inflation Rate 6%
Post-Retirement Return 8%
Your Retirement Timeline
Now (35)Retire (60)90
Required Retirement Corpus
₹5.8 Cr
to sustain your lifestyle for 30 years post-retirement
Monthly Expense at Retirement
₹2.4 L
SIP Needed (12% return)
₹22,000
Years to Retire
25 yrs
Post-Ret. Years Covered
30 yrs
⚠ Illustrative model using stated return and inflation assumptions. Actual requirements vary by lifestyle, healthcare needs, and longevity. Consult your advisor for a precise plan.
Plan My Retirement
Key Insights

The numbers that make
starting today non-negotiable.

Cost of Starting Late
Monthly SIP required to reach ₹3 Cr corpus by 60 at 12% CAGR
Start at 25
₹4,200
Start at 30
₹8,000
Start at 35
₹15,200
Start at 40
₹28,600
Start at 45
₹57,000
Inflation Impact on Expenses
Today's ₹75,000/month at 6% inflation over time
Today
₹75,000
In 10 yrs
₹1.34 L
In 20 yrs
₹2.40 L
In 30 yrs
₹4.31 L
Your retirement won't
plan itself.
Start Planning Today