Question 1

How much corpus do I need to retire in India?

Accepted Answer

Retirement corpus needed in India depends on your current monthly expenses, inflation and retirement duration. Rule of thumb: Corpus = Annual retirement expenses × 25 (for 30-year retirement at 4% safe withdrawal rate). For example, if current monthly expenses are Rs 50,000 and retirement is 25 years away with 6% inflation, expenses at retirement will be ~Rs 2.15 lakh/month. Annual need = Rs 25.8 lakh. Corpus needed = Rs 25.8 lakh × 25 = Rs 6.45 crore.

Question 2

How much SIP is needed for retirement?

Accepted Answer

Monthly SIP needed for retirement depends on target corpus, years to retirement, and expected returns. Example: For a Rs 5 crore corpus in 25 years at 12% CAGR, you need approximately Rs 24,000 per month SIP. Starting early dramatically reduces the monthly SIP needed due to compounding — Rs 10,000/month at 25 years becomes ~Rs 1.9 crore in 30 years at 12%. Use our calculator for exact amounts.

Question 3

What is the 4% withdrawal rule for retirement?

Accepted Answer

The 4% withdrawal rule (also called Safe Withdrawal Rate) states that you can withdraw 4% of your retirement corpus annually without running out of money for 30 years. This means your corpus should be 25 times your annual expenses (1/4% = 25). In India, where inflation is higher (5-7%), a more conservative 3-3.5% withdrawal rate (or 28-33 times annual expenses) is often recommended.

Retirement Corpus Calculator India — How Much to Retire

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