Question
How much corpus do I need to retire?
Answer
Bottom line: A common rule of thumb is about 25 times your annual expenses, from the 4% safe-withdrawal rule.
1. The idea
If you withdraw about 4% a year, a corpus of 25 times annual expenses can last a long retirement.
2. India caveat
With higher inflation and longer lifespans, a more conservative 28 to 33 times (3–3.5%) is often wiser.
3. A guide
It is a planning rule of thumb, not a guarantee.
Project your corpus with our NPS Calculator.
This answer is general information based on the law as it stood when written and is not professional advice on your specific situation. Verify the current position and consult a qualified professional before acting. See our disclaimer.