Work out the number, then build a way to reach it.
We calculate the inflation-adjusted corpus your retirement actually needs, the monthly investment to get there, and the withdrawal plan that makes it last.
What’s included
Corpus calculation
Your current expenses projected forward, with healthcare and longevity buffers included.
Accumulation plan
The monthly SIP and step-up schedule needed, allocated across equity and debt by time remaining.
Existing asset mapping
EPF, PPF, NPS, property and legacy policies counted properly towards the goal.
Withdrawal strategy
A tax-aware SWP plan so the corpus outlives you, not the other way round.
How we work on this
- 1
Expense mapping
What you actually spend today, separated into essential and discretionary.
- 2
Gap calculation
Corpus required versus corpus on track, given current savings.
- 3
Funding plan
Monthly investment, asset allocation and a glide path as retirement approaches.
- 4
Annual recalibration
Reviewed each year against real inflation, income changes and market outcomes.
- Professionals in their 30s and 40s with 15+ years to retirement
- Anyone within ten years of retiring who needs a withdrawal plan
- Business owners without a formal pension or EPF
- Couples planning a shared retirement timeline
Projections are illustrative. Actual outcomes depend on markets, inflation, taxation and how consistently the plan is funded.
Common questions
Rarely, on their own. Their returns typically track inflation closely, which preserves value but builds little real growth over three decades.
The last ten years of compounding do most of the work, which is precisely why the first ten years of contributions matter most.
An earlier date means a larger corpus funded over fewer years. We model the trade-off explicitly so the decision is informed.
Usually a combination of SWP from mutual funds, fixed-income interest and a liquid buffer of two to three years of expenses.
How much will your retirement actually need?
Your expenses today, inflated to the year you stop working, funded for 25 years. The monthly figure to get there comes out the other side.
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28 years to build it. Your ₹60,000 of monthly expenses becomes ₹3.07 L by then.
Know your retirement number
A 30-minute conversation, no obligation. Bring your goals and current position — you'll leave with a clear first step.
- Reply within one working day
- No product pitch
- AMFI & IRDAI registered
- A 30-minute call about your goals
- A written plan, with the reasoning
- You decide — no obligation