📚 Learning Centre

Retirement Planning Resources

Practical, India-specific guides with real numbers, real examples, and no jargon. Click any article — it opens in a new tab so you never lose your place.

12

Articles Published

₹0

Cost to Read

FY26

Tax Rules Used

Real

Indian Examples

⭐ Start Here

📊 Strategy Guide · Most Popular

The 4% Rule in India: Does It Actually Work? (2026 Calculator + Real Example)

The world's most famous retirement rule — tested against Indian inflation, NPS/EPF tax rules, and real 2026 data. Includes Ramesh's full calculation, a comparison of all 5 withdrawal strategies, and exactly when the rule fails on Indian portfolios.

⏱️ 9 min read 🎯 Beginner–Intermediate 📊 Strategy ₹ Tax breakdown

Read Article →

Opens in new tab

📖 Core Guides

Corpus Planning

How Much Do You REALLY Need to Retire in India? (2026)

City-wise corpus tables. The 3 factors that change your number by crores. Priya retires at 55 on ₹4.8 crore — real numbers.

⏱️ 11 min🏙️ City data📊 All levels

Read Article →New tab

Retirement Planning for Salaried Employees India: 2026 Guide

EPF + NPS + PPF + MF working together. SIP amounts, tax strategies, withdrawal planning — all in one place.

⏱️ 14 min👔 Salaried📚 Pillar

Read Article →New tab

SIP for Retirement: How ₹10,000/Month Becomes ₹2 Crore (2026)

Age-wise SIP targets, step-up SIP strategy, tax-efficient withdrawals. How much SIP do you actually need?

⏱️ 8 min📈 SIP🎯 Beginner

Read Article →New tab

🧾 Account & Tax Rules

NPS Withdrawal Rules After 60: Complete Guide 2026 Updated

New 80% lump-sum rule explained. Tax breakdown, annuity options, and corpus slab examples. Non-govt subscribers especially.

⏱️ 8 min🔔 Dec 2025 change

Read Article →New tab

EPF Withdrawal Rules 2026: When Is It Tax-Free? Complete Guide

Tax-free conditions, partial withdrawal reasons, Form 31, TDS rules. Every scenario explained with worked examples.

⏱️ 7 min🧾 Tax rules

Read Article →New tab

New Tax Regime vs Old Regime for Retirees India 2026: Which Saves More?

Real comparison with NPS, EPF, PPF, standard deduction, and medical expenses — exact tax savings shown.

⏱️ 9 min🧾 FY2026

Read Article →New tab

🔥 Strategies & Special Topics

FIRE at 40 in India: Can You Really Retire Early? Real Calculation (2026)

Vikram, 32, IT engineer. Full FIRE number, SIP required, and the tax implications. Honest numbers, no hype.

⏱️ 10 min📊 Case study

Read Article →New tab

⚙️ Advanced

The Guardrails Strategy: Earn 40% More Retirement Income Safely (2026)

Withdraw 5.5% instead of 4% — 37% more income — with dynamic rules that prevent running out of money.

⏱️ 9 min💰 High income

Read Article →New tab

PPF for Retirement in India: Is 7.1% Enough in 2026?

PPF is EEE — fully tax-free. But 7.1% vs 5.5% inflation leaves little real return. 30-year projections vs NPS, EPF, MF.

⏱️ 7 min🏦 Comparison

Read Article →New tab

🏛️ Government & Pension Schemes

🏛️ Govt Pension

UPS vs NPS: Which Should Government Employees Choose? (2026) New

Guaranteed 50% pension vs market-linked corpus. Real numbers for ₹50K basic salary. Inflation indexation, lump sum gap, death benefits compared.

⏱️ 11 min🏛️ Govt employees📊 2026

Read Article →New tab

How Much EPS Pension Will I Get? Formula + Calculator (2026) New

The exact EPFO formula with real examples. The ₹15,000 wage ceiling explained. Why you must transfer — never withdraw — when switching jobs.

⏱️ 9 min🧾 Formula💼 All salaried

Read Article →New tab

✍️

Coming next

SCSS 2026 vs FD · Retirement for Freelancers · Atal Pension Yojana

🚀

More Articles Coming Every Month

SCSS 2026 vs FD for Senior Citizens · Retirement Planning for Freelancers · Atal Pension Yojana · Women and Retirement in India · The Bucket Strategy — coming soon.