Practical retirement planning guides to help you build, protect and draw down a retirement corpus with confidence.
Money n Wealth · Insights
2026 · Retirement Planning
At 6% inflation, ₹1 crore in 25 years buys what ₹23 lakh buys today. Here is how to work out your own retirement magic number, with corpus tables, a worked example and a seven-step checklist.
Money n Wealth · Insights
2026 · Retirement Planning
Building the same retirement corpus by 60 needs a SIP almost three times larger if you start at 40 instead of 30. But EPF, a yearly step-up and working two extra years can cut a 40-year-old's required SIP by more than two-thirds. Here is the catch-up maths.
Money n Wealth · Insights
2026 · Retirement Planning
How much monthly income ₹2 crore can support, how long it lasts at ₹50,000 to ₹1.25 lakh a month, and what changes the answer, with clear assumptions and tables.
Money n Wealth · Insights
2026 · Retirement Planning
What a small retirement corpus can realistically pay each month, whether ₹16 lakh can sustain ₹30,000 a month, and how much corpus ₹20,000 to ₹50,000 a month needs.
Money n Wealth · Insights
2026 · Retirement Planning
Ten years on a ₹1 lakh basic earns you about ₹5.77 lakh of gratuity, and the new labour codes can push that higher by widening what counts as wages. Here is the 15/26 formula, who now qualifies after one year, and how the ₹20 lakh tax-free limit works.
Money n Wealth · Insights
2026 · Retirement Planning
A Pune couple spending ₹1 lakh a month today needs about ₹6.45 crore to retire at 45, not the ₹3 crore a quick 25x rule suggests. Here is how to calculate your FIRE number for Indian inflation, a 50-year retirement and rising health costs.
Money n Wealth · Insights
2026 · Retirement Planning
In our example, a market crash in the first two years of retirement makes a ₹3.33 crore corpus run out five years sooner than the same crash ten years later. The five years before you retire are when you defuse that risk. Here is the year-by-year pre-retirement checklist.
Money n Wealth · Insights
2026 · Retirement Planning
Under the EPF Scheme, 2026 you can make partial withdrawals after just 12 months of membership, but 25% of your balance now stays locked and full settlement after leaving a job needs 12 months of unemployment. Here is what changed, how VPF is taxed and how to move PF on a job switch.
Money n Wealth · Insights
2026 · Retirement Planning
A 30-year-old on ₹50,000 basic can retire with roughly ₹2.8 crore in EPF at today's 8.25% rate, but only if both sides contribute on full basic. Here is how the 12% + 12% split, the new ₹25,000 wage ceiling and the EPS pension formula actually work.
Money n Wealth · Insights
2026 · Retirement Planning
A plan that works at 65 must still work at 85. See how pensions, rental income and mutual fund SWPs behave over 25 years, and how to combine them so essentials never depend on markets or tenants.
Money n Wealth · Insights
2026 · Retirement Planning
An annuity is an insurance contract; a systematic withdrawal or RIS keeps your money invested. Here is how the three NPS payout routes differ, and what PFRDA's May 2026 circular added.
Money n Wealth · Insights
2026 · Retirement Planning
The annuity you pick at NPS exit decides who keeps getting paid and for how long. Here is how the five common structures trade starting pension against spouse income and legacy.
Money n Wealth · Insights
2026 · Retirement Planning
NPS now allows a bigger lump sum, a ₹8 lakh full-withdrawal limit, higher-equity schemes and new payout schemes. Here is what changed, what it means and what to check before acting.
Money n Wealth · Insights
2026 · Retirement Planning
Tier I and Tier II sit on the same NPS platform but do very different jobs. Compare tax benefits, withdrawal limits and liquidity before deciding where each rupee goes.
Money n Wealth · Insights
2026 · Retirement Planning
Turning 60 with an NPS account no longer means one big withdrawal plus a forced annuity. Here is how exit, deferral, staged payouts and continuation compare under the rules in force in 2026.
Money n Wealth · Insights
2026 · Retirement Planning
Two retirement plans added together do not make one couple's plan. Learn how to coordinate ages, assets, survivor income, NPS annuity choices, health cover and nominations so either spouse can manage alone.
Money n Wealth · Insights
2026 · Retirement Planning
Building the corpus is half the job; turning it into a reliable monthly paycheque for 30 years is the other half. Here is a bucket-based plan with a ₹2 crore example and current 2026 rates.
Money n Wealth · Insights
2026 · Retirement Planning
Pune's IT and auto generation is nearing 50 without a government pension behind it. Here is a step-by-step way to size your corpus and combine EPF, PPF, NPS and mutual funds, with 2026 rates.
Money n Wealth · Insights
2026 · Retirement Planning
NPS gives tax breaks and enforced discipline; mutual funds give control and liquidity. This 2026 comparison covers the new 80:20 NPS exit rule, equity limits, tax sections and how to split money between the two.
Money n Wealth · Insights
2026 · Retirement Planning
Starting at 40 instead of 30 can more than triple the monthly SIP needed for the same retirement goal. Work out your corpus, compare EPF, PPF, NPS and SCSS at current rates, and avoid the common mistakes.