Freedom is a rate, not an age.
Your life costs a little every second, and your savings earn a little every second. Retired plans every goal in between and shows you, live, how fast the second number is catching the first.
Retirement was never a birthday. It’s the second your money earns what your life costs.
Two clocks are running.
One counts what your life costs. The other counts what your savings earn. Both started when you opened this page.
Your life has cost
₹.
₹0.0304 every second
Your savings have earned
₹.
₹0.0055 every second
At 7% a year, your savings cover 18% of what your life costs. ₹1.37 crore would cover all of it.
7% is what Retired assumes savings in rupees earn once you stop working. Before inflation and tax, which a plan in Retired accounts for. An illustration, not advice.
Every goal gets a price and a date.
Price it in today’s money. Retired grows it with inflation, counts what your savings should earn, and tells you what to put away each month, every goal landing before your plan’s end date.
| Goal | Price today | Each month |
|---|---|---|
| Japan tripIn 2 years | ₹4.5L | ₹19,118 |
| New carIn 4 years | ₹16L | ₹34,398 |
| Home down paymentIn 5½ years | ₹30L | ₹47,229 |
| Kiara's educationIn 15½ years | ₹32L | ₹31,736 |
| RetirementIn 22½ years, for 35 years | ₹80,000 a month | ₹1.06L |
An example plan. Rupee plans start at 6% inflation (10% for education) and a 10% return before you retire, 7% after. You can change any of it.
Ahead or behind, to the second.
Your plan asks for money on a schedule. Top-ups and bond interest count the moment they land, so the gap between what it has asked for and what has gone in is live, not a month-end surprise.
Move one slider. The whole plan moves.
Retire two years later, put in more each month, or trim the home budget. Every monthly number reprices while you drag, and nothing changes until you save it.
Told what’s worth doing.
Retired looks for the moves that close a gap: a later finish, a larger monthly amount, the goal asking for the most. It prices each one before you try it, and every morning a short note tells you how your plan moved.
Put money to work without leaving the plan.
Fixed-income bonds through Garage, bought inside Retired, with interest that counts toward the goal it funds.
Each bond shows its yearly rate, term, minimum and payout schedule before you buy, and its interest adds up every second until it’s paid out.
₹1 lakh at 11% a year has earned, since you arrived
₹.
₹0.000349 every second
Typical yearly rates run from 6.9% to 11.5%. Bonds are unrated and can lose money, so read each one’s terms before you buy. Every bond you hold comes with a certificate you can share.
The rest of your money lives here too.
Your vault, your community and your currency, a tap away from your plan.
- Vault
- Top up in US dollars by UPI or card, or deposit BTC, ETH or USDT. Move money between vaults when a bond needs funding.
- Garage community
- A feed, group chats, live sessions and courses, with people working toward the same things you are.
- Your currency
- Plan in rupees, dollars or euros. Switch later and every amount converts.
- A face for every goal
- A cover photo, a few lines and milestones for each goal, so the number has something to point at.
Find the second your money takes over.
It takes a few minutes to price your first goal. Plan on the web, or carry it with you.