Banisatya WealthRetirement planning in Kolkata
How much do you need to retire — and what should you invest monthly, starting now? A structured corpus plan using SIPs, NPS and other instruments, with a free calculator to see your number.
A common approach: project your current monthly expenses to your retirement age using inflation (typically 6%), then target a corpus of roughly 25× your annual expenses at retirement. Our free retirement calculator runs this in 30 seconds; a consultation turns it into a concrete monthly plan.
How we help
Know your corpus target
Inflation-adjusted expenses, life expectancy, existing savings — turned into one clear target number.
A monthly investment path
SIPs, NPS, EPF and other instruments combined into a monthly amount that actually reaches the target.
Risk that reduces with age
Equity-heavy early, gradually shifting toward stability as retirement approaches — reviewed every year.
Post-retirement income design
SWPs, annuities and laddered instruments to convert the corpus into reliable monthly income.
Tax-efficient withdrawal
Sequencing withdrawals to keep post-retirement taxes low — coordinated with our tax planning service.
Free retirement calculator
See your inflation-adjusted expense, corpus target and required monthly SIP before you ever talk to us.
How it works
Free consultation
A 30-minute conversation — in person at Poddar Court, on a call, or on WhatsApp — to understand your goals, income, existing investments and risk comfort.
A written, goal-based plan
We map each goal to specific instruments and amounts, explain why each is suggested, and show illustrative projections — nothing is guaranteed, and we say so.
Regular reviews, lifetime support
Portfolio reviews on a fixed cadence, rebalancing suggestions when life or markets change, and quick claim/paperwork assistance whenever you need it.
Frequently asked
How much should I invest monthly for retirement starting at 30?
It depends on your expenses and retirement age. The free calculator projects your expenses with inflation, targets ~25× annual expenses as corpus, and computes the monthly SIP needed. A consultation refines this with your actual numbers.
NPS vs PPF vs mutual funds — which is better for retirement?
They serve different roles: NPS adds tax deduction and low cost but locks funds until 60; PPF is safe and tax-free but capped; equity mutual funds offer higher growth potential with market risk. Most plans combine two or all three rather than choosing one.
Figures shown by this calculator are illustrative estimates based on the inputs provided and assumed rates of return. They do not represent guaranteed returns and should not be relied upon as investment advice.
Let's grow wealth together.
Book a free consultation to discuss your goals — mutual funds, insurance, tax, retirement and more. No fees, no obligation.
Book a Free Consultation →Or call / WhatsApp +91 94330 87080 · Poddar Court, Kolkata