Retirement Planning

Goal Setting and Corpus Calculation

Most retirement plans fail before the first rupee is invested — because no one calculated a real target. This guide walks through a simple, honest process: audit your current expenses, strip out work-related costs and add in healthcare and leisure, adjust for inflation (6–7% generally, 12–14% for healthcare), and then multiply your inflation-adjusted annual expense by 25–30 to arrive at your retirement corpus. We also explain why Indian retirees often need a larger multiplier than the global “4% Rule” suggests, and why your retirement goal must be planned alongside — not after — your other financial goals.