Answer Post

How much retirement corpus do you need by age?

Your retirement corpus depends on expected annual expenses at retirement, inflation, retirement duration, and post-retirement returns. Rather than fixed age-based numbers, use personalized calculations and update them regularly.

Quick checklist

Plan retirement as a moving target and revise corpus needs annually.

  • Define your number inputs and assumptions.
  • Run at least 2 scenarios: conservative and optimistic.
  • Check inflation and tax impact where relevant.
  • Review every 6-12 months for course correction.

FAQ

Should I include healthcare separately?
Yes, medical inflation may exceed regular inflation and needs separate buffers.

Can I retire with only one corpus estimate?
Use conservative and optimistic scenarios to avoid underfunding risk.

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