Retirement
The one goal you cannot borrow for.
There is no loan for retirement. Every other major goal has a financing route available if the corpus falls short — this one does not, which is why it is the goal most often postponed and least often recovered. It is also the longest runway most people will ever have, and the one where starting early compounds hardest.
Try the numbers
What changes the plan
Things worth deciding before the first instalment
Two phases, not one
Retirement planning has an accumulation phase and a withdrawal phase, and they have opposite requirements. Building the corpus and then drawing an income from it sustainably are separate problems, and the second is the one more often overlooked.
Longevity is the underrated risk
Life expectancy has risen, and a corpus that has to last thirty years post-retirement is a materially different target from one lasting fifteen. Planning to an optimistic lifespan is the safer error.
Inflation compounds across the whole period
Over a thirty-year horizon, inflation does not just raise the target — it keeps raising it after you stop earning. The income the corpus must produce in year twenty of retirement is considerably higher than in year one.
EPF and NPS are part of the picture
Most salaried investors already have retirement assets accumulating. Counting them properly, and understanding their withdrawal rules and tax treatment, changes how much additional investing is actually required.
Retirement
Start from a monthly number
Move the sliders to match your plan. Nothing here is saved or sent until you choose to.
FAQ
Questions about retirement
It depends on your expected expenses in retirement, other income sources, existing EPF and NPS balances, and how long the corpus must last. A generic multiple of income is a starting point at best — the real figure needs your actual numbers.
A shorter runway means a larger monthly commitment for the same target, but existing EPF and NPS balances often mean the starting point is further along than people assume. Worth mapping properly before concluding anything.
Other milestones
Contact
Talk through retirement
Bring the number you have in mind and the date you want it by. The first conversation is free, and nothing gets recommended in it.
Book a free consultation- Call or WhatsApp
- +91 99220 08342
- Hours
- Mon–Sat, 10am–7pm