Retirement Corpus Calculation: How Much Do You Need to Retire in India?
If you spend ₹50,000/month today at age 30, at 6% inflation your monthly expense at age 60 will be ₹2.87 Lakh. You need a retirement corpus of approximately ₹5.5 Crore to ₹6.5 Crore.
Key Financial Takeaways
- Living expenses double every 10-12 years at 6% inflation.
- The 4% withdrawal rule or 25x-30x annual expenses rule gives a robust starting estimate.
- Starting a ₹12,000 to ₹15,000 monthly SIP at age 30 can comfortably build a ₹6 Crore retirement corpus.
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The Real Cost of Retirement Math
A 30-year retirement (age 60 to 90) requires funding 360 months of living expenses with escalating medical costs. Relying solely on bank FDs will erode your corpus due to inflation.
Frequently Asked Questions
What is the FIRE movement in India?
FIRE (Financial Independence, Retire Early) involves saving 50%+ of your income to accumulate 25x-35x annual expenses by age 40-45.
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