LoanCheckup

Retirement3 min read · Updated 21 October 2026

How much corpus do you need to retire early in India?

A plain way to size your retirement corpus in India: yearly spending, a withdrawal rate that survives inflation, and a worked example for ₹18 lakh a year.

The rule

Multiply yearly spending by 25 to 30. Spending ₹18 lakh a year means ₹4.5 to ₹5.4 crore. The lower the draw rate, the safer. At 3% you need about 33 times spending.

A worked example

Corpus ₹6 crore, spending ₹18 lakh a year (3.0% of the corpus), no pension, return 5% after inflation, 35 years to cover. The corpus is not drawn down in real terms, so it lasts.

What breaks it

A bad run of markets in the first years, a long retirement, medical costs, and spending that creeps up. Plan for 90 years or longer, and keep one to two years of costs in safe assets.

What to do

  1. Find your real yearly spending.
  2. Multiply by 28 for a rough target.
  3. Check how long your own pot lasts in the tool.
  4. Raise your savings rate or retire later if short.

Common questions

What is the 4% rule?

Drawing 4% of your pot in year one, then adjusting for inflation. It came from US data and is a starting point.

Is 4% safe in India?

Higher inflation means many people use 3% to 3.5%.

Should I count my house?

Only if you will sell it. The home you live in does not produce income.

Sources

Published 21 October 2026. Estimates only, not financial advice. Check rates, fees and rules with your lender.