MoneyChanakya
MoneyChanakya
Your Guide to Financial Wisdom
Holistic Financial Advisory
Kapil Chopra
Your Money Chanakya™
NISM Certified · ARN – 282253
Kapil Chopra
Free · Guided retirement planning

Because retirement should be a reward,
not a worry.

Share your current lifestyle, income, and savings. We will project your retirement-year expenses, account for inflation and your own return assumptions, and show the corpus you need plus any funding gap that remains.

Step 1 of 3 — About You
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1
About You

Start with your personal context

Tell us about yourself and your household. This anchors every projection that follows — your age, income, and location all shape the retirement corpus calculation.

Why it matters: A realistic estimate today is more useful than a perfect guess later. The goal is to size your retirement need clearly enough for a proper advisory discussion.
Minimum age allowed: 23 years.
2
Financial Snapshot

Your income, expenses, and existing savings

This section captures everything needed to size your retirement corpus — your current spending, the assets already earmarked, and the assumptions to project them forward.

Income & household expenses
Why it matters: Used as an additional benchmark for retirement adequacy.
Why it matters: Retirement income must fund household expenses — this is the baseline need.
Retirement timeline & risk profile
Why it matters: Knowing your target retirement age determines your saving horizon and influences the size of corpus required.
Retirement age + this figure must not exceed 100.
Auto-filled for Conservative / Balanced / Aggressive. Choose Custom to edit.
Inflation is fixed at 6% for this analysis, applied consistently across all clients.
EPF, PPF & NPS — balances and ongoing contributions
Other retirement investments

Everything earmarked for retirement other than EPF, PPF, and NPS. Type 0 if not applicable.

Retirement lifestyle & income needs
Why it matters: Desired lifestyle helps choose the replacement ratio and corpus estimate.
Why it matters: Retiring in a metro vs hometown can mean a 2–3x difference in monthly expenses — this directly affects the corpus you need to build.
Why it matters: This is the figure we inflate forward to your retirement date — no other adjustment is applied to it.
Why it matters: Gives your advisor a benchmark to compare against the calculated requirement and spot any gap in expectations quickly.
Why it matters: Expected retirement income reduces the size of corpus needed — we net this off your monthly expense figure.
Spouse details
Why it matters: Joint household income gives a more accurate retirement adequacy picture.
Why it matters: These assets also fund the household's combined retirement need.
3
Planned Expenses & Review

Major planned expenses and final review

Select any big-ticket goals you're planning for, alongside retirement — these are added on top of your monthly income corpus need, not blended into it.

Enter the future value — what you expect to actually spend at the time of the goal, in future rupees. No inflation adjustment is applied to these amounts.
Select all that apply. Choosing "None" disables the other options, and vice-versa.
Review

Submitting the form will also open the detailed plan modal with all calculations.