Mid-career planning that actually compounds.
For professionals earning ₹15L–₹1Cr who are doing OK but want clarity: am I saving enough? Are my SIPs in the right funds? Will I retire when I want?
Most mid-career professionals have a salary, a home loan, an EPF, a couple of mutual funds, maybe some ESOPs, term insurance someone's spouse sold them, and a vague worry that “something might be off.”
Often something is off — too much in their employer's stock, term cover too low for the home loan they took, EPF not actively tracked, ESOPs ignored till they vest worthless, tax regime choice copy-pasted from a colleague. A 90-minute proper plan often unlocks ₹3–5 lakhs a year of better outcome.
Designed around your reality
- Old vs new tax regime decision (more nuanced than the calculators suggest — factors in 80C optimisation, HRA, home loan interest, NPS)
- ESOP / RSU planning: when to exercise, when to hold vs sell, tax-efficient diversification away from concentration
- Kids' education planning: realistic costs (with inflation), the right SIP, USD vs INR vehicles for overseas education
- Term insurance and health insurance gap analysis
- Retirement math: when can you actually retire, what corpus is needed, is your current SIP rate enough
- EPF + NPS + PPF optimisation: which to push, which to stop, which to ignore
Situations we see all the time
“I'm 35, earning ₹40L, with ₹50L invested — am I on track?”
Depends on your goals, expenses, and existing investments — but the AI Wealth Planner gives you a 60-second view, and a full plan tells you precisely whether you'll retire at 55 or 65 on current trajectory, and the three things that would move that needle most.
“I have ₹80L in my employer's stock — should I sell?”
Almost certainly yes, in tranches. Concentration in employer stock is one of the worst risks professionals carry — your income depends on that company, and so does your wealth. We model tax-efficient diversification with LTCG harvesting and STP into broad indices.
“I switched to new tax regime two years ago — was that right?”
Depends on your deductions usage, home loan, HRA, and 80C habits. About 40% of professionals who switched would actually be better off in old regime. We run the precise math with your numbers — and the answer often changes year to year as your situation evolves.
“Buy a home now or keep renting?”
Pure rent vs buy math in metros currently favours rent (rental yields 2–3% vs home loan 8–9%). But emotional, lifestyle, and stability factors matter. We model the precise opportunity cost both ways for your specific city, EMI capacity, and horizon — then you decide.
Build your plan in 60 seconds
Start with the free AI Wealth Planner, or book a 30-minute call.