Retirement is the one goal with no loan available. Whatever you need for 20 or 25 years after work has to be built while you are still earning. The starting point is simple: what does your household spend today, and what might that become by the time you retire, after inflation?
We work backwards from that figure. We look at what your EPF, PPF, NPS or pension will already cover, find the gap, and help you choose mutual fund categories to fill it through SIPs. Closer to retirement, we help you set up a systematic withdrawal plan so the corpus pays you a monthly income.
Who it suits
- Private-sector employees without a pension
- Government employees planning beyond their pension
- Business owners and doctors with irregular income
- Anyone within 15 to 25 years of retirement
How Retirement Planning works
- 1
Map today's expenses
We sit with you and list what the household spends each month, including parents, medicines and festivals. This becomes the base for every number that follows.
- 2
Project the future cost
We apply an assumed inflation rate to estimate what the same lifestyle may cost in the year you retire, and the corpus needed to support it.
- 3
Count what you already have
EPF, PPF, NPS, a government pension, rental income and existing investments are all counted, so we only plan for the real gap.
- 4
Build the corpus
We help you choose equity and hybrid fund categories for SIPs, with a gradual shift towards debt funds in the last few years before retirement.
- 5
Turn it into income
At retirement we help you set up an SWP, often with a bucket approach, so near-term income sits in stable funds while the rest stays invested.
Why families choose it
A number, not a guess
You know roughly how much you need and how much to invest each month, so retirement stops being a vague worry.
Inflation is built in
Planning on inflation-adjusted expenses helps avoid the common trap of a corpus that looks large today but falls short later.
Regular monthly income
An SWP can pay you a fixed amount each month from your mutual fund corpus, much like a salary, while the balance stays invested.
Bucket approach
Keeping a few years of income in debt or hybrid funds means you are less likely to sell equity during a market fall.
Room for healthcare
We set aside a separate amount for medical costs and check that your health cover continues after retirement.
Things to know, and risks
- Starting late is the costliest mistake, because the monthly amount needed rises sharply as the years to retirement shrink.
- Assuming today's expenses will stay the same ignores inflation and can leave the corpus short by a wide margin.
- Moving everything to fixed deposits on the day you retire may not keep pace with inflation over a 20 to 25 year retirement.
- Using retirement savings for a child's wedding or a house can set the goal back by years, since retirement has no loan option.
- Mutual fund values move with markets, so an SWP withdrawal rate that is too high can wear down the corpus faster than planned.
Tax treatment
Each SWP withdrawal is treated as a redemption, so only the gain portion is taxed, not the full amount. For equity-oriented funds held over 12 months, long-term gains above ₹1.25 lakh a year are taxed at 12.5%. NPS and PPF have their own rules, and deductions such as 80C and 80CCD(1B) apply under the old tax regime. Tax rules change and section numbers may differ under the Income-tax Act, 2025, so confirm with your tax professional.
For families in Tirupati
Tirupati has many families where one spouse retires with a government or temple-administration pension and the other has none. We also meet private-sector and Sri City employees who will depend fully on their own savings. Both need different plans. Many retirees here also want to stay close to family and support grown children, so we plan for that alongside the monthly income, instead of treating retirement as a fixed number.
Run the numbers
Retirement Calculator
How much money do you need on the day you retire, and how much should you invest every month until then? This calculator takes your current monthly expenses, grows them with inflation to your retirement age, and works out a corpus that can fund rising expenses until the age you plan for. It then shows the SIP needed to build it.
Frequently asked questions
How much money do I need to retire?
It depends on your expenses at retirement, not today. As an illustration, ₹40,000 a month today becomes about ₹1.28 lakh a month in 20 years at an assumed 6% inflation. The corpus must support that for 20 to 25 years, after counting your pension, EPF and other savings.
What is an SWP and how does it help in retirement?
An SWP, or systematic withdrawal plan, pays you a fixed amount from your mutual fund every month. It works like a salary from your own corpus. The remaining money stays invested, and only the gain portion of each withdrawal is taxed.
I have a government pension. Do I still need to invest for retirement?
Often yes, though usually a smaller amount. A pension covers basic expenses, but medical costs, support for children and rising prices can outgrow it. We look at what the pension covers and plan only for the gap.
Are EPF and PPF enough for retirement?
For many private-sector employees they are not enough on their own. EPF and PPF are useful, stable parts of the picture, but their returns may not fully keep pace with long-term inflation. Equity mutual funds are often added for the growth portion.
What is the bucket approach to retirement income?
The bucket approach splits your corpus by when you will need it. Money for the next few years sits in debt or hybrid funds for stability, while money for later years stays in equity for growth. This reduces the need to sell equity in a falling market.
When should I start investing for retirement?
The simple answer is as early as you can. A person starting at 30 needs a much smaller monthly SIP than someone starting at 45 for the same corpus, because the money has more years to compound. Even a small start helps.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. This page is for general information and is not a recommendation to buy any specific product.
Last reviewed 12 Oct 2026.