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FIRE strategies, calculator guides, and financial planning for India

FIRE Planning · June 2026

What is the FIRE number and how to calculate it for India

The 4% rule was designed for the US. Here's how Indian FIRE planners should think about safe withdrawal rates, given 6% inflation, and higher equity returns from the Nifty 50...

SWP Strategy · June 2026

Immortal SWP: How to never run out of money in retirement

The immortal SWP concept means your returns exactly cover your withdrawals — so the principal never depletes. Here's exactly how much corpus you need for this in India...

Income Tax · June 2026

Old vs new tax regime FY 2025-26: who should switch?

The new regime now offers zero tax up to ₹12 lakh. But for people with home loans, HRA, and 80C investments, the old regime may still win. A complete comparison...

SIP Strategy · May 2026

Step-up SIP: why increasing your SIP by 10% yearly changes everything

A ₹10,000 SIP for 20 years at 12% gives ₹1 crore. The same SIP stepped up 10% yearly gives ₹1.75 crore. That 75% extra comes from one simple habit...

FD laddering: the safest post-retirement income strategy in India

Split your corpus into 5 FDs of 1–5 year tenures. Every year one FD matures, giving liquidity without selling equity in a downturn. Full walkthrough coming soon...