Early Retirement at 50 — Complete Financial Plan
Retiring at 50 means your money needs to last 30-40 years. Here is how much you need.
Retirement Corpus Calculation
If your monthly expenses are ₹50,000 today and you want to retire at 50 (with inflation at 6%), you will need approximately ₹4-5 crore.
| Monthly Expenses | Corpus Needed (at 50) | Monthly SIP (from age 30) |
|---|---|---|
| ₹30,000 | ₹2.5 Cr | ₹14,200 |
| ₹50,000 | ₹4.2 Cr | ₹23,600 |
| ₹75,000 | ₹6.3 Cr | ₹35,400 |
| ₹1,00,000 | ₹8.4 Cr | ₹47,200 |
Use the 4% rule: Withdraw 4% of corpus annually. ₹4.2 crore × 4% = ₹16.8 lakh/year = ₹1.4 lakh/month income.
Plan your retirement: Retirement Calculator