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Plan
Decide what the money is for, then work backwards.
A plan is not a product. It is a set of dated goals, a monthly number against each, and a rule for what to do when life changes. Retirement, a child's education, a home, the tax you pay along the way — these are arithmetic problems once someone writes them down properly.
Retirement Planning
What your current spending costs in thirty years, and the monthly number that gets you there.
Find your retirement numberHow we approach it
We inflate today's spending to your retirement date, size the corpus needed to fund it for the decades after, grow existing savings forward, and convert whatever gap remains into a monthly number you can actually act on.
Who it is for
Everyone, and considerably earlier than it feels urgent. The gap between starting at 28 and 38 is not ten years of contributions — it is a decade of compounding on them.
The mistake we see most
Planning to a life expectancy that is too short. Running out at 82 because you assumed 80 is the failure that matters.
Tax Planning
Regime comparison first, deductions second. Most people over-invest in tax-saving products they don't need.
Compare both regimesHow we approach it
Regime comparison first, deductions second. We compute both regimes on your real numbers and only then discuss whether any tax-saving product deserves a place — most people over-invest in instruments they would never otherwise buy.
Who it is for
Every salaried taxpayer, once a year, before the first payroll declaration.
The mistake we see most
March purchases. A policy bought in the last week of the financial year to fill 80C is an expense that happens to be deductible, and usually a poor one.
Education Planning
Education inflation runs ahead of general inflation. Starting eight years out costs a fraction of starting three.
How we approach it
We inflate the target at education-specific rates rather than general inflation, then split funding between growth assets for the distant years and certain instruments for the years immediately before the fees fall due.
Who it is for
Parents with a dated, non-negotiable bill ahead of them — which is what education is.
The mistake we see most
Funding an eight-year goal entirely in equity and being forced to sell in a bad year, three months before the fees are payable.
Home Planning
Down payment, EMI ceiling, and what the loan really costs once interest over twenty years is added up.
Work out the real cost of a loanHow we approach it
We work out the EMI you can carry without starving every other goal, the down payment that gets you there, and the true lifetime interest at different tenures. Then we plan prepayments for the early years, where they are worth the most.
Who it is for
Anyone within a few years of buying — the decisions that matter are made before the application, not after.
The mistake we see most
Choosing the longest tenure to qualify for the largest loan. It works on the application form and costs a fortune over twenty years.
Where this fits
Plan is one of four. The plan is all of them.
We will tell you where you actually are across all four pillars, what to fix first, and what can safely wait — before recommending anything at all.