Your spending floor
Separate essential monthly expenses from lifestyle choices and one-off goals.
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Planning service · not an investment product
We connect everyday spending, inflation, healthcare, family protection, pensions, NPS, investments and property into one plan you can actually use.
Free retirement tools
Your entries stay in the browser. Use ranges and revisit the assumptions rather than treating one result as a promise.
View all seven calculatorsEstimate future expenses, required corpus and the monthly investment gap.
Open toolSee how today's spending and a fixed pension may change in purchasing power.
Open toolEstimate first-year monthly income from an existing corpus and pension.
Open toolReview ten foundations and find the most useful next planning step.
Open toolTurn a live annuity quote into monthly, quarterly and annual income.
Open toolEstimate how an existing EPF balance and future monthly credits may grow.
Open toolEstimate a PPF maturity value with editable deposit, term and rate assumptions.
Open toolThe retirement dashboard
Separate essential monthly expenses from lifestyle choices and one-off goals.
Plan the active, slower and care-intensive years instead of assuming one flat expense number.
Keep near-term spending and emergency money away from assets that may be down when you need them.
Test what happens to household income after either spouse dies and organise nominees and records.
Compare NPS, EPF, pensions and annuities by the job each must do—not by headline rate alone.
Update spending, returns, health costs and family responsibilities at least once a year.
Retirement planning process
The sequence matters. We establish the household decisions before discussing which regulated products may fit them.
Set the target date, location, housing, family responsibilities and essential versus discretionary spending.
Project expenses after inflation and subtract pensions, rent and other dependable household income.
Bring EPF, PPF, NPS, investments, deposits, property, business interests and liabilities into one view.
Test lower returns, higher inflation, longer life, healthcare shocks and the plan for either spouse alone.
Prioritise contributions, liquidity, debt, withdrawals, NPS choices and family documentation, then review annually.
A living plan
This service is designed as a growing retirement knowledge hub. New guides, checklists and decision tools can sit here without mixing planning with the investment-product catalogue.
Retirement planning by age
The goal stays the same, but the most useful next decision changes as retirement gets closer.
Create liquidity, automate contributions and increase them as income grows.
Read the 30s guideConnect competing goals, existing accounts and the next 20 years of saving.
Read the 40s guideResolve debt, healthcare, property and catch-up funding before retirement.
Read the 50s guideSet up liquidity, withdrawals, NPS choices and spouse continuity.
Read the 60s guideRetirement planning in Hyderabad
A Hyderabad retirement plan should reflect the household's actual housing, healthcare, family and travel decisions. Living in an owned home, moving closer to children, retaining rental property or choosing a senior-living community all create different cash-flow and liquidity needs.
SoHo Wealth is based in Khajaguda and works with Hyderabad families through structured portfolio and retirement reviews. Consultations can also continue online when children or family decision-makers live elsewhere.
Book a Hyderabad retirement reviewOwned home, downsizing, maintenance, rent and property liquidity
Hospital access, insurance, medical reserve and longer-term care
Children abroad, dependent parents and survivor-income continuity
EPF, NPS, pensions, rent, business income and portfolio withdrawals
Popular retirement question
Compare ₹25,000–₹41,667 starting monthly withdrawals, then see how inflation, pensions, healthcare reserves and retirement length change the answer.
NPS decision guide
Compare spouse income, return of purchase price, inflation and liquidity before choosing an annuity from live provider quotes.
Read the NPS guideRetirement knowledge hub
Start with your stage or household, then move into corpus, income and account decisions.
Use the guide closest to your current planning horizon.
Account for income, ownership, care and family continuity.
Move from a target number to a usable withdrawal system.
Resolve access, healthcare and income choices before retirement.
Verify the rules
Rates, tax treatment and withdrawal rules can change. Use current regulator and scheme-owner guidance before acting on an older article or illustration.
Retirement basics, financial goal planning and investor education.
Open official source (opens in a new tab)Current NPS scheme information, regulatory updates and retirement literacy.
Open official source (opens in a new tab)Subscriber guidance on NPS exits, withdrawals and operational processes.
Open official source (opens in a new tab)Official EPF member information, services and frequently asked questions.
Open official source (opens in a new tab)Plain-English definitions
Six terms that make retirement conversations easier to follow.
Start with the plan
Bring your NPS, EPF, pensions, investments, property, loans and expected monthly spending. We will organise the decisions in the right sequence.
No. It is a planning service. We first define spending, income, liquidity, risk and family needs. Investment products are considered only later, where they fit the plan.
Annuity quotes vary by provider, age, option, payment frequency and market conditions. We help you compare live, like-for-like quotes and the contract features that come with them.
Not automatically. A higher starting payout may come with less spouse protection, no return of purchase price or other trade-offs. Compare the complete contract and your household needs.
No. Projections use assumptions and need periodic review. The purpose of planning is to create a resilient decision framework, not a guarantee.
Yes. SoHo Wealth is based in Hyderabad and offers retirement-planning reviews for local families, professionals and business owners, with online consultations available where appropriate.
Start with future monthly expenses after inflation, subtract reliable pension or rental income, then model portfolio withdrawals across the expected retirement period. There is no universal ₹1 crore or salary-multiple answer.
Start as soon as retirement becomes a household goal. Beginning earlier can reduce the monthly contribution required, while people closer to retirement can still improve the plan through higher savings, debt decisions, spending changes and a revised timeline.
A structured review can cover retirement expenses, required corpus, EPF and NPS, pensions, annuities, portfolio withdrawals, healthcare reserves, debt, property, spouse income and family documentation.