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  5. Retirement Planning

Retirement Planning

Plan a secure retirement with NPS, PPF, EPF, and corpus calculators. Understand withdrawal rules, annuity options, and inflation-adjusted targets.

Lessons
15 guides
Time
~7 hours
Level
Intermediate
Personal Finance 101Beginner InvestingTax BasicsRetirement PlanningGlossaryCalculatorsQ&AQuizzes

What you will learn

  • Estimate your retirement corpus with inflation
  • Compare NPS, PPF, and EPF benefits
  • Understand annuity vs lump sum withdrawal
  • Factor in healthcare and lifestyle costs
  • Build a phased investment plan to retirement

Lessons

  • 1

    Retirement Planning: How Much Do You Really Need to Retire

    The most common retirement planning question is how much is enough. This guide uses the realistic cost-of-living approach to calculate your retirement corpus — accounting for inflation, healthcare costs, and your expected lifestyle — so you know exactly what you need to save.

  • 2

    The 50/30/20 Budget Rule: How to Actually Make It Work

    The 50/30/20 rule divides your after-tax income into needs (50%), wants (30%), and savings (20%). This guide explains exactly how to categorize your expenses, automate savings so you never overspend, and adjust the ratios if you live in a high-cost city.

  • 3

    Financial Planning at 30: What You Should Have in Place

    At 30, you are likely earning more than ever before but also facing new financial responsibilities. This guide covers the specific financial milestones you should have hit by 30 — from emergency funds to insurance to investments — and what to prioritize next.

  • 4

    How to Improve Your Credit Score from Poor to Excellent

    Your CIBIL score affects whether you get loans, the interest rate you pay, and even your job applications in some cases. This guide covers exactly how credit scores work, what activities hurt your score, and a step-by-step plan to improve from poor (650) to excellent (800+).

Practice with calculators

  • Retirement Corpus Calculator

    Calculate how much retirement corpus you need to maintain your lifestyle. Factor in inflation, life expectancy, and post-retirement returns.

  • 5

    How to Calculate Your Net Worth: Step-by-Step Guide

    Your net worth — assets minus liabilities — is the single most important number in personal finance. It tells you where you stand financially and whether you are making progress. This guide shows you exactly how to calculate it, track it, and use it to set financial goals.

  • 6

    Retirement Planning — How Much Do You Really Need?

    Determining your retirement corpus requires understanding lifestyle goals, inflation, and healthcare costs. This guide helps Indian salaried and self-employed workers calculate their retirement number.

  • 7

    How to Negotiate Your Salary — Expert Tips for Indians

    Salary negotiation is a skill that dramatically impacts lifetime earnings. This guide covers when to negotiate, how to research offers, and techniques that work in the Indian corporate context.

  • 8

    How to Apply for Credit Card with Low CIBIL Score

    A beginner-level guide for how to apply for credit card with low cibil score. Complete step-by-step instructions with practical tips for Indian consumers.

  • 9

    How to File Complaint Against Insurance Company with IRDAI

    A beginner-level guide for how to file complaint against insurance company with irdai. Complete step-by-step instructions with practical tips for Indian consumers.

  • 10

    How to Calculate Gratuity: Formula and Examples

    A intermediate-level guide for how to calculate gratuity: formula and examples. Complete step-by-step instructions with practical tips for Indian consumers.

  • 11

    Financial Planning in Your 30s — Complete Guide

    Your 30s are critical for wealth building. This guide covers insurance, investments, tax planning, and career moves that set you up for financial freedom in your 40s and beyond.

  • 12

    Emergency Fund — Why You Need 6 Months of Expenses Saved

    An emergency fund is your financial safety net against unexpected job loss, medical emergencies, and urgent repairs. This guide explains how much to save and where to keep it.