Find out how much you need to retire comfortably. Accounts for inflation, investment returns, and how long your money needs to last.
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Quick answers to common questions
A common rule is to have 25× your annual expenses at retirement (based on the 4% rule). For example, if you need ₹60,000/month (₹7.2L/year) at retirement, you need ₹1.8 crore. Adjust for inflation — ₹60,000 today may be ₹1.5L/month in 20 years at 5% inflation.
The 4% rule states that you can safely withdraw 4% of your retirement corpus per year without depleting it, assuming the portfolio earns ~7-8% and inflation is ~3-4%. It was derived from US market data but is a useful starting point for Indian planning.
Your current expenses (e.g., ₹50,000/month) will be much higher at retirement due to inflation. At 6% inflation, ₹50,000 becomes ~₹1.6L after 20 years. The retirement corpus must be large enough to sustain this inflated expense level.
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