MrigashiraA number for retirement, and a route to reach it.
Retirement is the 1 goal everybody has and almost nobody has planned. The questions are simple to ask and uncomfortable to guess at, how much do I need, am I on track, and will the money keep coming every month after the salary stops? Retirement planning replaces the guessing with a number, a route, and a monthly income plan.
The assessment is free.
What you get
- Your retirement corpus, calculated for your lifestyle and inflation
- A clear monthly investing route to reach it. EPF, PPF, NPS, and funds in their right places
- An inflation-adjusted income plan for after you stop working
- Course-corrections as your income, life, and the markets change
What is retirement planning?
It starts with 1 honest number: what your current lifestyle will cost in the year you retire, after inflation has worked on it for decades. Prices roughly double every 12 years, so a ₹50,000 monthly lifestyle today can need ₹2 lakh a month by the time a 35-year-old retires. The corpus that supports that is bigger than most people's guesses, which is exactly why guessing is dangerous.
Then it becomes a route: how much to invest every month, in what, to reach that number by your date, and after retirement, how to turn the corpus into a salary-like income that arrives every month and keeps pace with inflation for 30 years or more. 2/3 of Gen X says it is under-prepared for retirement. The preparation is not complicated; it just has to start.
How we help you with retirement planning.
Calculating your real number
We work out your retirement corpus from your actual lifestyle, your retirement age, and honest assumptions about inflation and returns, not a scary round number pulled from an advertisement. You will see the arithmetic, question it, and own it. A goal you understand is a goal you fund.
Building the corpus in the right places
EPF, PPF, NPS, and mutual funds each have a role, different tax treatment, different lock-ins, different returns. We assign each its right job and size your monthly investing so the pieces together reach your number. Everything we recommend is commission-free, so all of it compounds for you.
Designing the income after work stops
The corpus is only half the plan. We design how it pays you, a monthly income that arrives like a salary, rises with inflation, and is structured so the money you need soon is never exposed to a market crash. The goal is simple: the money keeps arriving, smoothly, year after year, for as long as you do.
Keeping the plan on track
A retirement plan is not a certificate you frame, incomes change, markets swing, life happens. Each year we check where you stand against the number, and adjust the route calmly: a little more here, a rebalance there. Small early corrections are painless; the plan stays real instead of becoming a forgotten spreadsheet.
What actually changes.
Drawn from real advisory work, the details are an illustration, not a promise.
| Situation | With a plan | Without 1 |
|---|---|---|
| The target | A corpus calculated for your lifestyle and inflation, reviewed as life changes. | A vague crore-or-2 guess, never tested against actual expenses. |
| The saving | A fixed monthly amount into EPF, NPS, and direct funds, each with a defined job. | Whatever is left over at month-end, which is usually nothing. |
| After retirement | A structured monthly income, inflation-adjusted, insulated from market crashes in the near years. | Ad-hoc withdrawals and the quiet fear of outliving the money. |
This is 1 pillar of 1 plan.
We do not sell retirement planning separately, and honestly, it would not work as well alone, your investments, insurance, cards, loans, and retirement all affect each other. Everything on this page is part of the 1 plan you get for 1 flat annual fee.
Honest answers about retirement planning.
There is no universal number, and anyone who gives you 1 instantly is guessing. It depends on your monthly lifestyle, your retirement age, inflation between now and then, and how long the money must last. We calculate it for your life and show you the working, most people are surprised, and then relieved, because a real number can finally be planned for.
For most people, no, they are a strong foundation, not the whole house. EPF and NPS grow steadily but rarely cover a full post-inflation lifestyle on their own. We calculate the gap between what they will produce and what you will need, and then plan how the difference gets built. Sometimes the gap is small and the fix is easy; either way, you will know.
No, late is a constraint, not a verdict. It means saving more per month, working the tax-advantaged options harder, and being honest about the retirement age and lifestyle the numbers support. What we will not do is promise that a magic high-return product fixes it, because chasing returns late in the game is how people lose what they have. A realistic late plan beats a fantasy every time.
Start with the free part.
Each assessment takes about 9 minutes and costs nothing. See what it says about you, then decide if you want the full plan.
The assessment is free.