Retire Easy.
Plan With Specialists,
Not Agents.
We don't sell products. We design your monthly income, protect your big expenses, and grow what's left — for YOU.
Redefining how India prepares for life after 60.
5-minute conversation · Free sign-in with Google · Your data is private & secure
What we calculate for you
Your retirement, in three honest numbers.
We don't guess. We do the math on YOUR corpus — and show you exactly what it can do.
Priority #1
Your tax-free* monthly income
We split the income between you and your spouse so each stays under ₹12 Lakh/year — the entire amount is non-taxable for life. Most agents never do this.
*Depends on you and your spouse's existing income — we check both before deciding.
Priority #2
Your big expenses, ring-fenced
Daughter's wedding, grandchildren's education, world tour — each gets its own parked fund, so they never disturb your monthly income.
Priority #3
Your wealth, multiplied
The surplus grows in liquid equity/hybrid funds with SWP for inflation top-ups — 12.5% LTCG, not 30% slab tax. Real returns, real liquidity.
Why most retirees end up underpaid
The agent sells a product.
We design YOUR plan.
The Local Agent
- Pushes the policy that pays them the highest commission
- Parks everything in just one basket — no retirement-specific diversification
- Ignores your spouse's tax-free ceiling — you pay 20–30% tax unnecessarily
- No planning for big liabilities — children's marriage, travel — so funds get withdrawn at higher tax slabs
- Takes care of only the investment — no roadmap for what happens to it after you
Retirement360 Specialists
- Advice-first, not product-first — we design your plan, not a policy to sell you.
- Diversify across SCSS, POMIS, NPS annuity, MF SWP, bonds, gold & REITs — each instrument for its specific job
- Split income across both spouses — keep your monthly income fully tax-free for life
- Keep money for big expenses — wedding, education, travel — in a separate safe pocket, so market ups and downs never touch your monthly income
- Stay with you — quarterly reviews as rates, slabs, and your goals change
On a ₹2 Cr corpus, the difference between a local agent's plan and ours is typically ₹40–80 Lakh in saved tax + extra wealth over 25 years. We'll calculate yours exactly.
See the Difference for Your NumbersThe 3-Stage Framework
How we build your plan, step by step.
Monthly Income Floor
Lock in tax-free monthly income using EPS, SCSS, POMIS, NPS annuity — split across both spouses. Like a salary, for life.
Big Future Expenses
Education, wedding, world tour, renovation — each parked in the right instrument by horizon. Your monthly income stays protected.
Surplus, Grown Tax-Light
Equity/hybrid funds, fully liquid. SWP for inflation top-ups — only 12.5% LTCG, no slab tax. Compounds while you withdraw.
Ready to see YOUR numbers?
Answer a few short questions in plain English (or Hindi). We'll build the full plan in 5 minutes.