Fintastic India

Retirement Planning

Retire on a number, not on hope.

We work out the corpus your lifestyle actually needs, inflation included, then build the monthly plan that reaches it and the income ladder that spends it.

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A quiet road winding through green hills at sunrise

6–7%

long-run inflation we plan your corpus against

The idea

The scariest number in personal finance, made clear.

Most people retire on a guess. We replace the guess with a number: your monthly expenses today, projected honestly at Indian inflation, converted into a target corpus in lakh and crore that you can actually see.

Then we build both halves of the plan, the SIP glide path that accumulates it, and the withdrawal ladder that turns it back into a monthly 'salary' after your last working day. One without the other is only half a retirement.

What's included

Your retirement number

Monthly expenses today, projected honestly at Indian inflation, converted into a target corpus in lakh and crore.

SIP glide path

Equity-heavy while you are young, stepping down to safety as the date approaches. Automatic, not emotional.

NPS & EPF optimisation

Tier choices, fund manager selection and contribution levels tuned so the schemes you already have pull their weight.

Post-retirement income

SWPs, annuities, bonds and FD ladders sequenced so a monthly 'salary' keeps arriving after the last working day.

Corpus stress tests

What if returns disappoint, inflation surprises or you live to 95? We test the plan before life does.

Annual course correction

Every year the number is re-checked against reality, and the plan quietly adjusts.

How we run it

  1. 01

    Find the number

    free · first call

    We cost your future lifestyle in real rupees and set the corpus target you're actually aiming at.

  2. 02

    Build the glide path

    within 7 days

    Monthly SIPs, NPS and EPF tuned into one accumulation plan with a de-risking schedule built in.

  3. 03

    Draw the income

    reviewed yearly

    As retirement nears, we sequence withdrawals so a monthly income keeps arriving, tax-efficiently.

Who it's for

  • Salaried professionals with 10+ years to retirement
  • Self-employed people with no EPF safety net
  • Couples who want to retire on the same page
  • Anyone near retirement who needs an income plan, now

Questions

Good to ask before you start.

I'm already 50. Is it too late?

No. The plan changes, more emphasis on catch-up contributions and the income ladder, but a clear number and a disciplined runway still make a large difference in the final years.

Do you handle NPS and EPF too?

Yes. We optimise the schemes you already have alongside new SIPs, so every retirement rupee is working, not just the new ones.

How do I actually draw an income after retiring?

Through a sequenced mix of systematic withdrawals, annuities, bonds and FD ladders, structured so income keeps arriving monthly and tax stays low.

Pairs well with

Mutual Fund Distribution

SIPs and lump sums across 38+ fund houses, selected by mandate, not commission.

FD · Bonds · NPS

Fixed-income ladders, quality bonds and NPS for the stable floor of your plan.

Financial Advisory

A written financial plan covering protection, goals, tax and estate, then someone who stays accountable to it.

Find out your retirement number on the first call. It's free.

One call back within a working day. No pitch, no obligation.

Talk to an advisor
Talk to an advisor