Question 1

How much money do I need to retire in India?

Accepted Answer

Estimate your monthly expenses at retirement (today's expenses grown for inflation over the years until retirement), then divide the annual figure by your chosen safe withdrawal rate (commonly 3-4%) to get the corpus needed. E.g. ₹6L/year expenses at a 4% SWR needs a ₹1.5 crore corpus.

Question 2

What is a safe withdrawal rate?

Accepted Answer

The percentage of your retirement corpus you withdraw each year, sized so the corpus is unlikely to run out over a long retirement. 4% is the commonly cited (though debated) starting point; more conservative retirees use 3-3.5%.