retirement

8 Articles

Retirement planning roadmap

Retirement Planning in India: How Much Is Actually Enough?

If you spend Rs.60,000/month today, you'll need a retirement corpus of Rs.3-4 crore. Here's the step-by-step plan to build it.

22 May 2026 · 11 min read

Gratuity calculation formula worked example illustration

Gratuity Calculation Formula: How Much Will You Actually Get?

Gratuity isn't a flat percentage of your salary - it depends on a specific formula, your years of service, and whether your employer is covered under the Act.

10 August 2026 · 8 min read

NPS vs EPF vs PPF retirement comparison illustration showing returns and tax benefits

NPS vs EPF vs PPF: Which Retirement Option Wins?

Your EPF deducts itself, your PPF is your choice, and NPS is the only one with equity exposure. Here's how the three actually work together, not against each other.

13 August 2026 · 9 min read

Retirement income planning with SWP illustration

SWP Calculator: How Much Corpus Do You Need for ₹50,000 Monthly Income?

The 4% rule gives you a quick estimate — ₹1.5 crore for ₹50,000/month, roughly. But your actual number depends on your horizon, assumed return, and whether you want the corpus to last forever or just long enough.

29 August 2026 · 7 min read

EPF withdrawal rules on job switch illustration

EPF Withdrawal Rules When You Switch Jobs (Complete Guide)

Withdraw or transfer your EPF when switching jobs? Here's the 5-year rule that decides whether your withdrawal is taxable, and why transferring almost always wins.

30 August 2026 · 9 min read

NPS Tier 1 vs Tier 2 comparison illustration

NPS Tier 1 vs Tier 2: Key Differences Explained

Tier 1 is locked in until retirement with real tax benefits; Tier 2 has no lock-in but almost no tax benefit for most subscribers. Here's the full comparison.

30 August 2026 · 7 min read

PPF vs EPF comparison illustration

PPF vs EPF: Which Builds a Bigger Retirement Corpus?

Your EPF happens automatically through payroll - so what does PPF add on top? Here's how the two actually differ and work together.

19 July 2026 · 8 min read

Senior Citizen Savings Scheme guide illustration

Senior Citizen Savings Scheme (SCSS): Complete Guide

Both spouses can open separate SCSS accounts, doubling combined capacity. Here's the complete guide to eligibility, limits, and withdrawal rules.

19 July 2026 · 8 min read