🌴Retire Rich, Retire Free
Plan a retirement corpus that outlives inflation.
Whether you retire at 60 or dream of FIRE at 45, the maths is simple: start early, invest monthly, and let compounding do the heavy lifting. We help you calculate the real corpus you need — adjusted for inflation, healthcare and lifestyle — and build a SIP roadmap to get there.
What it takes to get there
Illustrative only, assuming ~11% p.a. equity returns and inflation-adjusted goals. Actuals vary with market conditions.
Milestone by milestone
How we'll approach it
In your 30s–40s, 70–80% equity via diversified & flexi-cap funds compounds fastest.
Combine ELSS, NPS (extra ₹50k 80CCD(1B)), EPF/VPF and PPF for tax-free & tax-deferred growth.
Systematically reduce equity 5 years before retirement; move to debt & balanced advantage funds.
SWP from a debt-oriented portfolio gives predictable monthly cash — more tax-efficient than FD interest.
Your starting portfolio
A typical allocation for this goal. We fine-tune it based on your risk profile, timeline and existing investments.
Frequently asked
How much do I really need to retire in India?
Rule of thumb: 25–30× your current annual expenses, adjusted for 6% inflation. A ₹50k/month lifestyle today needs a corpus of ₹5–7 Cr in 25 years.
Is NPS or Mutual Funds better?
Both. NPS gives an extra ₹50,000 tax deduction under 80CCD(1B) and low costs, but has withdrawal restrictions. Mutual funds are flexible. We usually blend both.
Can I retire early (FIRE) in India?
Yes — but you need to invest 40–60% of income for 12–20 years into equity SIPs and build ~30× annual expenses. We map a realistic FIRE plan for you.
Ready to start? Let's build your plan.
A free 30-minute conversation on WhatsApp. Bring your goal, timeline and current savings — leave with a clear SIP roadmap.