How much corpus is needed for a comfortable retirement in India?
For a moderate lifestyle (₹80,000/month today) retiring in 20 years, you typically need ₹8–12 crore depending on inflation and return assumptions. This calculator gives you a personalised estimate.
Does healthcare cost increase significantly in retirement?
Yes. Healthcare costs in India inflate at ~12–15% annually. Budget 15–20% of your retirement expenses for healthcare and consider a top-up health insurance policy before you retire.
Should I plan for 25 years or 30 years of retirement?
With life expectancy rising in India (80+ for urban professionals), planning for 30 years is prudent. An extra 5 years of planning adds ~15–20% to your required corpus but provides significant peace of mind.
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