Retire at 50: How Much Corpus Do You Need?
Want to retire at 50? If you spend ₹50,000 a month today, inflation means you'll need over ₹8 crore saved up. Here's how to actually get there — starting in your 20s or 30s.
₹8.5 crore sounds wild — but that's just 200 chai-and-samosa mornings saved every month for 22 years via SIP.
The corpus you likely need to retire at 50 with ₹50,000/month expenses today
Key Takeaways
Calculate your retirement number now: multiply your current monthly expenses by 12, then by 25-30 — that's your bare minimum corpus target at retirement.
Start a step-up SIP immediately — begin with whatever you can (even ₹10,000/month) and increase it by 10-15% every year as your salary grows.
Open a separate retirement-only portfolio in index funds or equity mutual funds — never touch this money for weddings, gadgets, or short-term goals.
Want to retire at 50? If you spend ₹50,000 a month today, inflation means you'll need over ₹8 crore saved up. Here's how to actually get there — starting in your 20s or 30s.
Here's what happened: A 28-year-old targeting retirement at 50 has only 22 earning years to build a corpus that must last 30-35 more years post-retirement.. With ₹50,000 monthly expenses today and 6% inflation, real monthly costs at age 50 could touch ₹1.8-2 lakh, needing a ₹8-10 crore corpus.. Starting with near-zero savings at 28, achieving this requires investing ₹50,000-₹70,000 per month in equity-heavy instruments with 11-12% annualised returns..
What you should do: Calculate your retirement number now: multiply your current monthly expenses by 12, then by 25-30 — that's your bare minimum corpus target at retirement.. Start a step-up SIP immediately — begin with whatever you can (even ₹10,000/month) and increase it by 10-15% every year as your salary grows.. Open a separate retirement-only portfolio in index funds or equity mutual funds — never touch this money for weddings, gadgets, or short-term goals..
The '4% withdrawal rule' means your corpus must be 25x your annual retirement expenses — but in India, use 3.3% (30x) to account for longer lifespans and higher inflation.
Plan Your Retirement Now
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This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.