Is ₹5 crore enough to retire in India?
A 45-year-old has ₹5 crore: ₹3 crore in equity funds, ₹1.2 crore in debt, ₹20 lakh in gold and ₹60 lakh in EPF. They want to stop working now. No children's costs or loans are left.
54%chance the money lasts, retiring at 45 on ₹1.50 L a month
₹7.46 Crneeded at 45, in today's ₹
₹5.00 Crnet worth today
Chance the money lasts to 90, by monthly spending
| ₹1 lakh a month | 87% |
| ₹1.5 lakh a month | 54% |
| ₹2 lakh a month | 24% |
| ₹2.5 lakh a month | 10% |
Whether ₹5 crore is enough depends far more on what you spend than on the corpus itself. Withdrawals are taxed, spending rises with inflation, and a crash early in retirement does lasting damage, so a rule like '4% of the corpus' is less safe in India than it sounds.
The assumptions
- Age 45, money has to last until 90.
- Household spending ₹1.50 L a month in today's money, 90% of it after retiring.
- Health insurance ₹50k a year, out-of-pocket medical costs from 70, and a 3% yearly chance of a ₹10.0 L bill insurance won't cover.
- Equity returns 11% a year on median with 22% volatility, inflation 6%, 90% confidence, New Regime tax.
All numbers come from the same engine as the calculator, run over 1,000 market histories. See how it works for the defaults and their sources.
This is an illustration, not advice. Your own numbers will give a different answer.