Guides
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Each guide answers one question about planning for retirement, with figures worked out by finfire’s calculators. They are in rupees.
The three-bucket retirement strategy
How the three-bucket strategy splits retirement savings by when you will spend them, with the sizes, top-ups and tax Phase 2 opens with, and what holding years of spending in debt costs.
Sequence of returns risk
Why the order of market returns matters once you spend from your savings, shown with a two-year example, and how Market slump and simulated markets in Phase 2 test your plan against it.
How long will my retirement savings last?
A worked example from finfire’s Phase 2: ₹2.97 Cr spent at ₹1,00,000 a month, rising 7% a year with prices. What decides how long savings last, and how to check your own.
Is a 4% withdrawal rate safe in India?
How often retirement savings last 25 to 50 years at first-year withdrawal rates from 2% to 6%, across 2,000 simulated markets, worked out by finfire’s Phase 2 with prices rising 7% a year.
How finfire works
The rules finfire’s two retirement calculators follow, month by month: how savings grow, how an emergency fund and three buckets are filled, spent and topped up, how tax is worked out, and both sample plans worked through.