Corpus calculation
Built from your actual monthly expenses, expected lifespan and inflation — not a rule of thumb like ‘25 times your income’.
Services
Will the money outlast you?
Most people estimate their retirement number by feel. It is worth calculating properly, because the gap between a good guess and the real figure is usually large and always discovered too late.
What this covers
What goes into it
Retirement is the longest-dated goal you have, which makes small assumptions compound into big differences.
Post-retirement withdrawals
Structuring a systematic withdrawal plan so the corpus produces predictable monthly income without running dry too early.
Inflation-adjusted targets
₹60,000 a month is comfortable today and will not be in twenty years. That gap is planned for now, not discovered later.
Healthcare provision
Medical costs rise faster than general inflation and are the single most common thing that derails a retirement plan. Budgeted separately.
NPS, EPF and PPF alongside
Existing retirement assets accounted for, so the mutual fund portion is sized to fill the actual gap rather than duplicating what you have.
Nomination and succession basics
Nominations kept current across folios, so your family isn’t untangling paperwork at the worst possible time.
Why Advaya
Our approach
- Your numbers, not averagesThe calculation runs on your expenses and your assumptions, which you can see and argue with.
- Allocation shifts as the date nearsEquity exposure steps down as retirement approaches, built into the review schedule rather than left to chance.
- Your spouse understands it tooA plan only one person in the household understands is a fragile plan.
- Relevant if you’re returning to IndiaMany NRI clients plan to retire back home. The tax and residency transition is part of the conversation.
Is your retirement number realistic?
A free session to work out where you stand against where you need to be.