📈 Wealth building · working years
Financial Planning
Still earning? Get your complete investment roadmap — exactly how much to put in your 401k, IRA, Roth, and brokerage every year, with ETF picks for your age and risk.
- Year-by-year 401k, IRA, Roth & brokerage targets
- ETF picks that shift with your age & risk profile
- Backdoor Roth guidance when income is too high
- IRS limits auto-applied, catch-up at 50 included
Retirement Plan
Retired or close? See exactly how long your money lasts — which account to tap each year, when to claim Social Security, and when to convert to Roth.
- Year-by-year withdrawal plan across all accounts
- Roth conversion strategy before RMDs kick in
- Social Security timing — 62 vs 67 vs 70 compared
- Medicare & healthcare costs built in
📈 Wealth building · working years
Financial Planning
Earning in India? Get a year-by-year plan in ₹ that fills EPF, PPF, NPS, and ELSS first — squeezing every rupee of 80C and 80CCD deduction before mutual funds.
- EPF auto-calculated, then PPF, NPS & ELSS for 80C room
- Specific fund picks — Nifty 50, flexi cap, ELSS & more
- Safe, Balanced & Growth risk profiles
- Full-color PDF plan in ₹ Crore / Lakh
Retirement Plan
Retiring in India? Model your full income picture — NPS annuity vs lump sum, EPF and PPF withdrawals, SCSS payouts, and pension — and see how long your corpus lasts.
- NPS: 40% annuity + 60% tax-free lump sum modelled
- SCSS at 8.2%/yr for guaranteed quarterly payouts
- EPF & PPF as a safe ~8% bucket, separate from markets
- Pension layered on top as a fixed monthly floor