Retirement planning in India, explained
How much you need, which accounts to fill first, and how to turn a corpus into income that keeps up with prices. The corpus figures use the same method throughout: spending in today's rupees, 6% inflation, and money that has to last to age 90.
How much you need
How Much Money Do You Need to Retire in India? (2026 Tables)
If you spend ₹50,000 a month today and want to retire at 60, you need about ₹1.6 crore in today's money, or ₹2.8 to 9.1 crore on the day you retire, depending on whether…
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How Much Money Do You Need to Retire in India as an NRI? (2026)
If you'd spend ₹50,000 a month in today's money and move back at 55 to 60, you need roughly ₹5.8 to 6.8 crore at retirement. Here is the maths behind that, what it means…
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Retirement Corpus Needed by State in India (2026 Data)
A comfortable retired couple in urban India needs about ₹3.0 to ₹5.1 crore at 60 if they are 35 today, depending on the state. Ranked for 11 large states and Chandigarh …
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4% Rule in India: Your FIRE Number and Whether 4% Holds
Where the 4% rule comes from, how to work out your FIRE number, and why Indian inflation and long early retirements point to a 3–3.5% withdrawal rate.
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Case Study: A Dubai NRI Planning to Retire in Kochi at 55 (Illustrative Plan in FinPlann)
An illustrative walk-through: a Dubai-based NRI supporting parents and planning to retire in Kochi at 55. His health score, NRI-sized cover, whether retirement at 55 wor…
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NPS, EPF and PPF
NPS vs EPF: Which Retirement Tool Should You Prioritise?
EPF is mandatory for most salaried employees, but NPS offers tax benefits and market-linked returns. Understanding both helps you build a more complete retirement plan.
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Retirement Mutual Funds vs NPS vs PPF: Which Comes First for Salaried Indians?
Retirement mutual funds vs NPS vs PPF — three very different products with overlapping use cases. Here's the comparison Indian professionals actually need before choosin…
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Why NPS Is Not Popular in India: The Annuity Problem, and What the 2025 Rule Changes Fixed
For years the compulsory 40% annuity kept people away from NPS. Since December 2025, non-government subscribers need to annuitise only 20%, and can exit after 15 years. …
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NPS Tier 2 Account: How It Works, Withdrawal Rules, Charges and Tax (2026)
NPS Tier 2 is a flexible add-on to your Tier 1 pension account: withdraw any time, no exit load, up to 100% equity and low fund charges. But there is no tax deduction fo…
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NPS for NRI: Eligibility, Tax and Withdrawal Rules (2026)
NRIs and OCI holders can open NPS Tier I and fund it from NRE or NRO. Here is how exit, India tax deductions and US/UK tax actually work before you commit.
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PPF for NRI: Can You Continue, Extend or Close Your Account?
NRIs cannot open a new PPF, but can run an existing one to maturity from NRO. Here is what happens at maturity, and how the US and UK tax PPF interest.
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Children's and Retirement Mutual Funds After SEBI's 2026 Changes: Is Your Fund Closing or Continuing?
SEBI scrapped the solution-oriented category in February 2026, then in March let fund houses keep their children's and retirement funds if they give up some Life Cycle F…
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Income once you retire
Conservative Hybrid Funds for Retirement Income in India
Conservative hybrid funds hold 75-90% debt and 10-25% equity. Designed for income-focused investors and retirees who want a small equity kicker on top of debt safety. He…
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What to Do When Your PPF Matures: A ₹50 Lakh Deployment Roadmap
Your PPF matured at ₹50 lakh and now you face a choice: extend for another 5 years, withdraw and redeploy, or a mix. Here's a three-bucket allocation framework that bala…
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PPF vs Fixed Deposit: Which Is Better for Safe, Long-Term Returns?
PPF and Fixed Deposits are India's most-trusted safe investments. They look similar but differ dramatically in tax treatment, liquidity, and long-term wealth creation. H…
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Liquid Funds vs Savings Account vs FD: The Math for ₹1 Lakh Parked
₹1 lakh in a savings account earns about 2.5%. The same ₹1 lakh in a liquid fund earns 6.5%. Over 5 years that is ₹20,000 lost to choosing the wrong instrument. Here is …
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REITs in India Explained: How They Work, How Payouts Are Taxed and How to Invest (2026)
A plain-English guide to Real Estate Investment Trusts in India: what a REIT owns, the SEBI rules that protect unitholders, why each payout is taxed in three different w…
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Retirement calculators
Retirement calculator
The corpus you need and the monthly SIP that gets you there.
FIRE calculator
Your FIRE number and how many years until you can stop working.
SWP calculator
How long a corpus lasts as withdrawals rise with inflation.
NPS calculator
Your NPS corpus, lump sum and pension at 60.
EPF calculator
What your EPF balance grows to by retirement.
PPF calculator
PPF maturity value and interest over 15 years.
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