Answer
How much retirement corpus do I need at age 46?
A 46-year-old planning to retire at age 60 with current monthly expenses of ₹50,000 needs a retirement corpus of approximately ₹3.39 crore — assuming 6% inflation and 25× annual-expense planning.
Tune inflation, retirement age, post-retirement years and expected return on the full calculator.
Open the retirement calculatorWith 14 years until retirement, today's ₹50,000 monthly expenses inflate to ₹1.13 lakh/month by age 60 at 6% inflation. Multiplying that by 12 months and 25 years (the 4% safe-withdrawal multiplier) gives a target corpus of ₹3.39 crore.
Building this corpus needs a monthly SIP of ₹78,486 at 12% expected return. The longer the runway, the smaller this number — which is why starting in your twenties is so much easier than catching up in your forties.
The 25× rule is a useful approximation but errs on the safe side for India given higher inflation than the US data it was derived from. A more conservative 28–30× multiplier is worth considering if you want extra cushion for healthcare costs and lifestyle creep.
Related answers
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Frequently asked questions
Why does a 46-year-old need ₹3.39 crore?
At 6% inflation, today's ₹50,000/month expenses become ₹1.13 lakh/month by age 60 — that's ₹13,56,542/year. Multiply by 25 (the safe-withdrawal multiplier) and the target corpus is ₹3.39 crore.
What if my lifestyle costs ₹1,00,000/month today?
Double the expenses, double the corpus — for a ₹1L/month lifestyle, you'd need ₹6.78 crore by age 60. That maps to a monthly SIP of ₹1,56,972 starting today at 12% expected return.
Is the 25× rule valid for India?
The 25× rule (equivalent to a 4% withdrawal rate) was derived from US market history. For India with higher inflation, a 28–30× multiplier (effective 3.3–3.5% withdrawal rate) is safer. Add a healthcare buffer separately — Indian medical inflation runs 12–14% annually.
What if I retire earlier than 60?
Each year earlier means an extra year of withdrawals plus one fewer year of compounding. The corpus needed grows non-linearly. If you target FIRE at 50 instead of 60, the math typically requires roughly 30× annual expenses instead of 25×.