Retirement planning
A salary stops. Your expenses do not.
We work out the corpus you need, the monthly SIP that gets you there, and how to draw an income from it once work ends. One written plan, reviewed with you every year.
- Corpus worked out from your real monthly spend
- SIP across equity, hybrid and debt categories by age
- A monthly income plan (SWP) for the years after
Plan my retirement
Two numbers are enough to start. This opens WhatsApp with your details filled in.
The number that quietly grows
Most people plan retirement on today's expenses. The bill you will actually pay is the one 25 years from now.
6% inflation is an assumed rate for illustration. Groceries, school fees and medical bills have each moved at different speeds; we use your own numbers in the plan.
How the money moves
Three phases, three jobs for your money
Retirement is not one decision taken at 58. It is a slow shift from growing money, to protecting it, to living on it.
Build up to about 15 years before retirement
Monthly SIP mostly in equity categories (flexi cap, large and mid cap, index). Time is long enough to sit through bad years. Raise the SIP with every increment.
Protect the last 10 to 15 years of work
Move a part of the gains each year into hybrid and debt categories, so a market fall at 57 does not decide your retirement date. Health cover is fixed before age makes it costly.
Draw down after the last salary
A Systematic Withdrawal Plan (SWP) pays you a fixed amount every month from your funds, like a salary. The rest stays invested. Example: ₹1 crore, ₹75,000 a month, with an assumed 8% a year on the balance, lasts about 27 years.
SWP figures use an assumed rate for illustration. Withdrawals from mutual funds are taxed as capital gains; we show the effect in your plan.
Work out your corpus
Move the sliders. The result shows the corpus you need and the SIP that gets you there. Send it to us and we check it against your actual spends.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future. Returns shown are assumed rates for illustration.
What to do at your age
Start where you are. Each decade has three or four things that matter more than fund picking.
- Start a retirement SIP separate from other goals, even ₹3,000 a month
- Take a term plan of 10 to 15 times yearly income
- Keep 6 months of expenses in a liquid fund or savings
- Step up the SIP by 10% with each increment
- Recheck the corpus target against what the house actually spends now
- Keep children's goals and retirement in separate SIPs
- Buy your own health cover, not only the office policy
- Close high-interest debt before adding new investments
- Shift a part of equity to hybrid and debt categories every year
- Build 2 to 3 years of expenses in low-volatility funds
- Decide the SWP amount and order of withdrawals
- Write down nominees and share the plan with family
People planning the same thing
Shared with permission. Names shortened.
I had four SIPs and no idea what they added up to. They put it on one page: what I need at 60, what I have, and the gap. The gap was smaller than I feared.
My father retired last year with a lump sum and no plan. We set up a monthly withdrawal so his pension and the SWP together cover the house. He checks it on the first of every month.
Started at 31 with ₹4,000 a month because they said the amount matters less than the start. It is ₹9,500 now after three step-ups. Review calls are short and to the point.
Running a shop, there is no pension waiting for me. They helped me treat retirement as its own goal with its own SIP, and I stopped dipping into it for the business.
Questions
Retirement, asked plainly
Not here? Ask on WhatsApp. A person replies, not a bot.
Ask a questionHow much corpus do I need to retire?
It depends on your monthly expense at retirement (after inflation), how many years you plan for, and the return you assume after retiring. The calculator above gives a first number; we refine it with your actual spends, pension, rent income and existing savings.
I am 45. Is it too late to start?
No, but the plan changes. A shorter window means a higher monthly SIP, a careful equity share and possibly a slightly later retirement date. We show you the trade-offs side by side so you can choose.
What is an SWP and how is it different from a pension?
A Systematic Withdrawal Plan sells a fixed amount of your mutual fund units every month and pays it to your bank. Unlike a pension, the money stays yours, can be changed or stopped, and goes to your nominee. It can also run out if withdrawals are too high, which is why the amount is planned.
Should I keep everything in equity till 60?
Usually not. We move part of the money to hybrid and debt categories over the last 10 to 15 years, so one bad year close to retirement does not force you to sell low.
Do you charge a fee for the plan?
The first plan and review are free. As a mutual fund distributor we are paid commission by the fund house on regular plans; we tell you this upfront and show it in writing.
Get your retirement number on paper
Age and monthly expense on WhatsApp. We send back the corpus, the SIP and a draw-down plan.
AMFI-registered Mutual Fund Distributor. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.