URetireWise vs Orime

Plan your retirement with confidence using the proven 5-year bucket strategy — the same drawdown framework used by professional financial planners. WHAT IS THE BUCKET STRATEGY? Instead of withdrawing randomly from one pool, your retirement savings are split into three buckets: • Cash (0–5 yrs): Covers near-term spending so you never sell investments in a down market • Bonds (5–15 yrs): Lower-risk growth to refill the cash bucket over time • Equity (15+ yrs): Long-term growth engine that powers your later retirement years Every 5 years, the bonds and equity buckets automatically refill your cash bucket — smoothing out market volatility over a multi-decade retirement. KEY FEATURES • Set your retirement age, portfolio size, annual spending, rental income, and Social Security benefit • Visualize your portfolio growth across all three buckets from retirement to age 99 • See exactly when your cash refills happen and how Social Security changes your income picture • Inflation-adjusted projections using the Fisher equation • Year-by-year breakdown table with income, spending, and portfolio totals DESIGNED FOR SIMPLICITY • No account required — everything stays on your device • No ads, no subscriptions, no in-app purchases • Dark mode, built natively for iPhone IMPORTANT DISCLAIMER Retirement Bucket Planner is an educational planning tool, not financial advice. Projections are hypothetical illustrations based on your inputs and historical averages. Actual returns, inflation, and life events will differ. Please consult a qualified financial advisor before making retirement decisions.

Orime is the smartest way to manage credit card rewards in India. Most people lose thousands of points every year — to expiry, to using the wrong card, to missing offers. Orime fixes that. WHAT ORIME DOES • Tracks every reward point across all your credit cards in one place • Tells you the best card to use for every purchase, in real time • Alerts you before points expire, before benefits lapse, before fees renew • Surfaces the highest-value redemption — flights, hotels, vouchers, statement credit • Suggests transfer partner bonuses when they're live BUILT FOR INDIAN BANKING • Works with HDFC, Axis, ICICI, SBI, IndusInd, Kotak, AU and more • Tracks SmartBuy, EDGE Rewards, iShop, Rewardz programs natively • Calculates real fee waivers, milestone bonuses, and category caps • GST-aware spend tracking for businesses INTELLIGENT RECOMMENDATIONS • "Use HDFC Infinia for 10x on dining tonight" • "Your 12,000 Magnus points expire in 8 days — transfer to Marriott for 18,000 nights" • "₹5K spend left this month to unlock your fee waiver" TRAVEL & SHOPPING • Search and compare flights, hotels, holiday packages • Pay with points + card combo at the best value • Browse partner store offers (Amazon, Flipkart, Myntra, Swiggy and more) • Book lounge access, travel insurance, and concierge services BILLS, EMI & MORE • Pay credit card, electricity, gas, mobile, broadband bills via BBPS • Track active EMIs and conversion offers • Manage saved billers with autopay reminders • Earn points on every bill payment PRIVACY-FIRST • Bank-grade encryption (AES-256) • Card numbers never stored on our servers • Face ID / Touch ID lock • You control what we see, always Orime is free to download. Premium features may require an active credit card linked to a participating Indian bank. Built in India, for India.