When Can I Retire?

Most retirement advice starts with a number. ₹2 crore. ₹5 crore. ₹10 crore. Every one of those numbers was built on somebody else's expenses, somebody else's retirement age, somebody else's assumptions - and not one of them was built around you.

When Can I Retire? replaces the guesswork with a method. It answers the three questions Indian investors actually ask: how much do I need, when can I stop working, and will the money last?

Part One shows you how to work out your own number and the withdrawal rate that survives a real thirty-year retirement. Part Two examines every income source available in India - dividends, REITs and InvITs, fixed deposits, government bonds, debt funds, rental property, NPS and annuities - covering how each one works, how it is taxed, how it fails, and who it genuinely suits. Part Three assembles them into a portfolio you can build, protect against a medical emergency, and hand over cleanly to the people who come after you.

Written by an AMFI-registered mutual fund distributor and the creator of the YouTube channel ALT Invest, this book grew out of the same questions arriving again and again from real investors. It includes worked retirement plans, a dividend safety checklist, a one-page tax reference, and free calculators that run the book's maths on your own figures.

Because retirement is not about accumulating a corpus. It is about creating an income that lasts.