How much do I need to retire in India?

For most people the answer lands between 25 and 35 times their current annual spending, and closer to 30 than 25 if you retire before 60. On the default figures here, a 35-year-old spending ₹80,000 a month today needs roughly ₹6 crore at 60 to fund 25 years of retirement at 6% inflation.

The multiple is high because it has to cover a stream that keeps growing after you stop earning. It is not the same question as “how much do I spend now”, and that is the mistake most people make when they guess.

Because inflation compounds twice: once between now and the day you retire, and again through every year of retirement. ₹80,000 a month today is about ₹3.4 lakh a month in twenty-five years at 6%. The corpus has to fund that rising figure for as long as you live, not today’s figure for a fixed number of years.

Something you would still be comfortable with in a bad decade. The slider here stops at 13% because AMFI caps illustrations there, and 13% is above the Nifty 50’s own ten-year rolling mean of 12.93%. Assuming more is not optimism, it is a smaller monthly figure that leaves you short later.

The post-retirement rate should be lower than the pre-retirement one, because a portfolio being drawn down is normally held more conservatively. 7% is the default here and it is an assumption, not a promise.

A 12% return is what the statement says. A real return is what is left after inflation, and it is the only one that buys anything. At 12% nominal and 6% inflation the real return is about 5.7%, not 6%, because the two compound rather than subtract. Every figure on this page can be switched into today’s money to show the difference.

More than any other input. Moving the assumption from 6% to 7% raises the target by roughly a third over a twenty-five year horizon, because it compounds through both the accumulation and the drawdown. If you want to stress-test one number on this page, make it that one.

The required monthly contribution roughly triples. Ten years is not a tenth of the problem, because the years you lose are the ones with the most compounding left in them. The line under the result shows what a single year of delay costs on your own figures, which is usually the more persuasive version of the same fact.

Usually yes, which is why this page takes two return assumptions rather than one. A portfolio you are drawing from cannot afford the same volatility as one you are still adding to, because withdrawals during a fall lock in the loss. What that shift looks like in practice is a conversation about your own holdings, not a slider.

Once a year, and after anything that changes your income, your spending or your family. The target moves with your spending rather than with the market, so a promotion changes this number more than a rally does.