Retirement money has one job: arrive every month, keep pace with prices, and outlast you comfortably. We arrange your corpus so it does exactly that — without gambling a rupee of it.
arrives in your savings account — from your own corpus, on your own terms.
Health bufferset aside, untouched
Next year's incomealready in debt funds
The restquietly growing
Retirement income planner
Will the money outlast the years?
Your corpus, your monthly need, honest inflation. See how long it lasts — and what's left for the family.
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Income lasts
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Left for family at year 20
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Corpus remaining, year by year
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Withdrawals rise with inflation each year. Illustration only — actual returns vary; we plan with buffers, not best cases.
How we keep it safe
Three buckets, and a promise of boring.
Bucket one · now
Two years of income
In liquid and short-duration debt funds. Markets can do anything for two years; your income doesn't notice.
Bucket two · soon
Years three to seven
Senior Citizen Savings Scheme, quality bonds, conservative hybrids — refilling bucket one as it empties.
Bucket three · later
The growth that fights inflation
A measured slice in equity funds — because at 60, you're investing for 85. This is what keeps year-20 income honest.
Also on our checklist: a health-cost buffer that's never counted as investable, SWP structured for gentler taxation than FD interest, and a will that's actually written.
Bring your bank statements. We'll bring the patience.
A calm conversation about income, health costs and what you want to leave behind. Family members welcome in the room.