A retirement plan needs a number first.
“Save more” isn’t a plan. We start by working out roughly what your retirement will cost — then build the SIP that gets you there.
Retirement, worked out backward from a real number.
Start from your future expenses, not today's
Your monthly cost of living will look very different in 20–30 years once inflation compounds. We project it forward before setting a target.
Size the corpus, not just the SIP
We work out how large a corpus is needed to sustain that expense through a retirement that could run 25–30 years — then back into a SIP.
Account for what you already have
Existing EPF, PPF or investments are factored in first, so your SIP closes the actual gap — not the full number from scratch.
Revisit as retirement gets closer
Assumptions about inflation, returns and retirement age are reviewed periodically, particularly in the decade before retirement.
From today's expenses to a retirement SIP.
Today's expenses
Your current monthly household expense is the starting point for every projection.
Inflate to retirement
We project that expense forward to your retirement date using a reasonable inflation assumption.
Size the corpus
We estimate the corpus needed to sustain that expense through your expected retirement horizon.
Back into a SIP
A monthly SIP is sized to close the gap between what you have today and what you'll need.