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Retirement Assessment
A retirement assessment produces two numbers: the corpus you need to fund the life you want after you stop earning, and the monthly investment that reaches it from where you are today. It also gives you an honest answer to the question most people avoid, which is whether the current savings rate gets there at all.
Who this is for
- People in their thirties and forties, where the monthly figure is still comfortable
- People within ten years of retiring who need to know if the plan holds
- Business owners with no employer pension and no default savings mechanism
You will leave with
- The corpus figure for the retirement you described, with assumptions stated
- The monthly investment needed from today, and what changes if you start five years later
- A view on whether your existing EPF, PPF and investments already cover part of it
How it works
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Establish the spend, not the salary
Retirement is funded against what you spend, not what you earn. We start from your real monthly outgoings, adjusted for what changes: commuting stops, healthcare rises, the home loan usually ends.
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Inflate to your retirement year
Your monthly expense today is not your monthly expense at sixty. We apply an inflation assumption, state it, and show you what the same lifestyle costs then.
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Size the corpus and the gap
From the inflated monthly spend, a life expectancy assumption and a post-retirement return, we get the corpus. Against your existing holdings, that gives the gap and the monthly figure that closes it.
Retirement is funded against spending, not income
The most common mistake in retirement planning is anchoring to salary. Your salary stops. Your spending does not, and it is the spending that has to be paid for.
So the assessment starts with what actually leaves your account each month, then adjusts. Some costs disappear at retirement: commuting, the children’s fees, usually the home loan. Others rise, healthcare most reliably. What remains, inflated to your retirement year, is the number the corpus has to service.
The second number matters more than the first
Everyone wants the corpus figure. It is the monthly figure that changes behaviour.
A corpus target is abstract and easy to postpone. “Twenty-two thousand a month, starting this year” is a decision you either make or do not. And the gap between starting now and starting in five years is usually larger than people expect, because the years you give up are the ones that were doing the most compounding.
Drawing an income later
Building the corpus is half the job. Taking an income from it without running it down too early is the other half, and it is where a systematic withdrawal plan comes in. We would rather talk about both at the same time, because a plan that accumulates well and then draws down badly has not solved very much.
What should you prepare for this conversation?
Bring current household spending, a target retirement age, existing retirement assets, loans and expected pension income. Separate essential expenses from optional spending, and identify which income figures are estimates.
Understand the retirement estimate. See how the first meeting works and how Harbla Finserv is paid before booking.
Updated 10 September 2026 · Contact Pardeep Yadav
Common questions
How much do I need to retire?
There is no single figure, because it depends on what you spend rather than what you earn. The honest method is to take your real monthly outgoings, adjust them for what changes in retirement, inflate to your retirement year, and size a corpus against a stated withdrawal rate and life expectancy.
Does my EPF and PPF count?
Yes, and they are counted. Many people are further along than they think once existing statutory savings are included, and others discover that those alone will not carry a thirty-year retirement.
What if I have left it late?
Then the plan leans on contribution rather than compounding, and it is better to know that now. There are usually options: working a few years longer, adjusting the target lifestyle, or drawing an income from a corpus rather than aiming to preserve it.
Explore before you decide
Try a related calculator or explore another assessment.
Talk it through.
Ask about suitability, costs or the next steps for your situation. Leave your name and number to discuss this topic; you do not need to choose a product to get in touch.
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