Alert: Large gap to close
There's a large gap in your retirement plan. Reaching your goal from here requires investing ₹23,886/month.
•Saving at least 20% of income from age 25 is a common benchmark; every year of delay costs lakhs
•Healthcare costs double every 10 years after 50; medical expenses are often budgeted separately
•Government pensions alone rarely cover even basic expenses
•Inflation erodes purchasing power: ₹50K/month today will feel like ₹13K in 20 years at 7%
Corpus Needed
30 years to retirement
Retirement planning is the process of determining how much money you need to live comfortably after you stop working — and building a strategy to accumulate that retirement corpus over your working years.
A widely-used rule of thumb: your retirement corpus should be 25 times your annual expenses at the time of retirement. This assumes a 4% safe withdrawal rate — meaning you withdraw 4% of your corpus each year to cover expenses without running out of money.
At 7% inflation, your expenses double every 10 years. If you spend ₹50,000/month today, you'll need ₹1,00,000/month in 10 years and ₹2,00,000/month in 20 years. This is why starting early is critical — compounding works for your investments, but inflation works against your expenses.
The 25x rule: you need 25 times your annual expenses at retirement to never run out of money.
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