Question 1

How much corpus do I need to retire?

Accepted Answer

Your retirement corpus depends on your current monthly expenses, expected inflation, retirement age, and life expectancy. A common rule of thumb is to accumulate 25-30 times your annual expenses at retirement.

Question 2

What is the 4% withdrawal rule for retirement?

Accepted Answer

The 4% rule suggests you can safely withdraw 4% of your retirement corpus each year without running out of money over a 30-year retirement period.

Question 3

How does inflation affect retirement planning?

Accepted Answer

Inflation erodes purchasing power over time. If your monthly expenses are 50,000 today, at 6% inflation they could be over 2.8 lakh by the time you retire in 30 years. A good retirement plan accounts for this growth in expenses.

Financial Calculators