https://bhavitta.com/guides.html Retirement guides for India, NRIs and FIRE, with every figure from Bhavitta's own engine. en Thu, 05 Nov 2026 06:00:00 +0530 https://bhavitta.com/icon-192.pnghttps://bhavitta.com/guides.html https://bhavitta.com/is-3-crore-enough-to-retire-india.html https://bhavitta.com/is-3-crore-enough-to-retire-india.html Thu, 05 Nov 2026 06:00:00 +0530 Balaji Gururajan India The chance ₹2–6 crore lasts to 90, by monthly spending and the age you stop working, and how much you need for ₹75,000 to ₹2 lakh a month. Every figure from the engine, in rupees. https://bhavitta.com/moving-back-to-india-from-us.html https://bhavitta.com/moving-back-to-india-from-us.html Thu, 05 Nov 2026 06:00:00 +0530 Balaji Gururajan NRI The dollar corpus a couple needs to retire in India at 45, 50 or 55, what a falling rupee does to it, and whether to keep the money in dollars. Every figure from the engine. https://bhavitta.com/health-insurance-retirement-india.html https://bhavitta.com/health-insurance-retirement-india.html Thu, 05 Nov 2026 06:00:00 +0530 Balaji Gururajan India What a premium rising 10% or 13% a year adds to the corpus you need at 45 or 55, and what it costs at 65, 75 and 85. Every figure from the engine, in rupees. https://bhavitta.com/earliest-retirement-city-india.html https://bhavitta.com/earliest-retirement-city-india.html Thu, 05 Nov 2026 06:00:00 +0530 Balaji Gururajan India The same couple, salary and savings in seven Indian cities, and the earliest age each lets them stop working. Every figure from the engine, in rupees. https://bhavitta.com/retire-metro-then-move-india.html https://bhavitta.com/retire-metro-then-move-india.html Thu, 05 Nov 2026 06:00:00 +0530 Balaji Gururajan India A couple retiring at 55 in Mumbai or Bangalore who move to a cheaper city at 60, 65, 70 or 75, and what each choice does to the corpus they need. Every figure from the engine, in rupees. https://bhavitta.com/retirement-corpus-india.html https://bhavitta.com/retirement-corpus-india.html Wed, 04 Nov 2026 06:00:00 +0530 Balaji Gururajan India The corpus a couple needs to retire at 45, 50 or 55 in seven Indian cities, with the chance it lasts to 90. Every figure from the engine, in rupees. https://bhavitta.com/how-it-works.html https://bhavitta.com/how-it-works.html Wed, 04 Nov 2026 06:00:00 +0530 Balaji Gururajan How it works A plain-language walk through the simulation engine: what goes in, what the recurrence does each year, how the two return models differ, and exactly how the score, the survival rate and the "Ready at" age are computed. https://bhavitta.com/retirement-planning-india.html https://bhavitta.com/retirement-planning-india.html Wed, 04 Nov 2026 06:00:00 +0530 Balaji Gururajan India What Bhavitta 2.9 models for a life lived in India: rupee returns, city costs and inflation, Indian tax slabs, EPF, PPF and NPS, a fixed EPS pension, gratuity and health insurance. The defaults, where they come from, and what is still missing. https://bhavitta.com/retire-in-india-mumbai-vs-pune.html https://bhavitta.com/retire-in-india-mumbai-vs-pune.html Wed, 04 Nov 2026 06:00:00 +0530 Balaji Gururajan India One salaried couple, two cities, everything in rupees: EPF, PPF and NPS lock-ins, a fixed EPS pension, health premiums that outrun inflation, and Indian tax slabs. Every number from the engine. https://bhavitta.com/retire-in-india-vs-us.html https://bhavitta.com/retire-in-india-vs-us.html Wed, 04 Nov 2026 06:00:00 +0530 Balaji Gururajan Worked example One couple, two timelines, every number from the engine. Historical replay and Monte Carlo side by side, and what actually moves the answer.