A retirement income that doesn’t run out before you do.
We start from the monthly number you’ll actually need — after inflation, after healthcare, after the children have their own lives — and build the corpus and the drawdown plan that keeps paying for thirty years.
The checklist
What a good retirement plan should look like
The things worth checking before you commit money to anything.
The number
What will your retirement actually cost?
Work backwards from the monthly income you want. Thirty seconds, four figures.
Corpus needed at retirement
₹7.57 crore
To draw ₹2.57 lakh a month from age 60 — that’s ₹90,000 today, after 18 years of inflation.
Additional monthly investment needed to close the gap by 60.
Illustrative only, not advice or a guarantee. Assumes 6% inflation, 10% p.a. growth before retirement, 7% p.a. after, and 30 years of income from age 60. Your real plan depends on your assets, taxes, health and goals — we’ll build it properly on the call.
How it works
How a free consultation works
Three steps. No commitment, no pressure to decide on the call itself.
Free consultation
Fifteen minutes on your age, savings, income and what you want retirement to look like — no cost, no obligation.
Plan & portfolio
We set the corpus target, choose the mix across funds, NPS, annuities and fixed income, and handle the paperwork with you.
Reviews & drawdown
Annual reviews while you build, and income management once you stop working — including the tax and the order you spend in.
Replace bracketed figures with verified numbers before publishing.
From families we’ve helped
A few notes from people we’ve worked with, lightly edited for length.
“Twenty-two years in Dubai and I had no idea what the number was. They put it on one page — what I have, what I need, what the gap costs me every month I wait.”
“Everything was in fixed deposits because that felt safe. They showed us what inflation was quietly doing to it, and moved us gradually — not overnight.”
“I’m retired now and the income just arrives. They told us which account to draw from first and why, and my wife has the whole thing written down.”
FAQ
Questions, answered plainly
What people usually ask before their first call.
How are you paid?
On mutual funds, we’re paid a trail commission by the asset management company, built into the scheme’s expense ratio — you don’t write us a cheque. Direct plans carry a lower expense ratio and no advisor; regular plans carry us. We’ll tell you exactly what we earn on anything we recommend, and you can decide whether the advice is worth it. On insurance and annuities, the insurer pays us and your premium is the same either way.
How much do I need to retire?
A useful shorthand is 25 to 30 times your first year of retirement expenses — but that first year has to be in future rupees, not today’s. At 6% inflation, ₹1 lakh a month today is about ₹3.2 lakh a month in twenty years. The calculator above gives you the shape of it; the real number also depends on your assets, your spouse’s income and what you plan to leave behind.
Isn’t EPF, PPF and a few fixed deposits enough?
For most people, no. They’re the safe foundation, but their post-tax returns sit close to inflation, so the corpus grows slowly in real terms and then has to fund thirty years. The usual fix isn’t abandoning them — it’s adding a growth layer while you’re still earning, and shifting towards income as you approach 60.
Should I buy an annuity?
Sometimes, for part of the corpus. An annuity buys certainty: a fixed payout for life, regardless of markets. What it doesn’t do is keep up with inflation, and the capital is usually locked. A common structure is an annuity or NPS payout covering essential monthly costs, with the rest of the corpus invested for growth and flexibility.
I’m an NRI planning to return — what changes?
Quite a lot. Your residency status changes how you’re taxed and how your accounts must be re-designated; NRE deposits stop being tax-free once you’re resident; and there may be reporting obligations in the country you’re leaving. We help NRIs across the Gulf, UK, US and Singapore plan the return year deliberately rather than sorting it out afterwards.
I’m 50. Is it too late to start?
No, but the levers change. With ten years left, the plan leans more on how much you save and how long you work than on how the market behaves. We’ll be honest about what’s achievable and what needs adjusting — the income target, the retirement age, or both.
What about healthcare after 60?
It’s the cost that derails most retirement plans, and it rises faster than general inflation. We keep a health policy running past 60 rather than letting it lapse at retirement, and we hold a separate medical reserve so a hospital bill never forces you to sell investments at the wrong moment.
See the number you’re actually aiming at
Fifteen minutes to find out what your retirement costs, where you stand today, and what closing the gap would take — no pressure to invest on the call.