Example plans

Common early-retirement questions, answered with full plans. Open any of them in the calculator and change the numbers to yours.

• Retire at 45 on ₹2 lakh a monthHow much a 32-year-old in India needs to invest each month to retire at 45 and spend ₹2 lakh a month, after tax and inflation, for life.
• Is ₹5 crore enough to retire in India?The chance that ₹5 crore lasts from 45 to 90 at different spending levels, with Indian tax, inflation and market crashes included.
• A FIRE plan for a family of fourWhen a 35-year-old with two children can retire, including school costs, college fees and weddings, at three levels of household spending.
• NPS vs PPF vs SIP for early retirementWhere ₹1.5 lakh a year does the most for someone planning to retire before 60: a mutual fund SIP, PPF or NPS.
• Buy a home or keep renting: the effect on early retirementHow buying a flat of about ₹1.1 crore changes a 30-year-old's chances of retiring at 50, compared with renting for life.