Retirement Planning
How Much Retirement Corpus Do You Need in India?
Short answer
Most Indians retiring at 60 need roughly 25–35× their annual expenses at retirement, inflation-adjusted through age 85–90. For ₹50,000/month expenses today, that often means ₹6–12 crore depending on inflation and return assumptions.
Your retirement corpus is the pool of money needed at retirement to fund living expenses until your planned life expectancy, adjusted for inflation during retirement.
Ignoring inflation is the most common mistake — ₹50,000/month today may become ₹3+ lakh/month in 30 years at 6.5% inflation.
- ✓Corpus depends on expenses, inflation, retirement duration, and post-retirement returns — not a round number like ₹1 crore.
- ✓At 6.5% inflation, today's expenses multiply significantly by retirement age.
- ✓Use ClearMF's calculator for a personalized corpus estimate.
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