How to ensure Rs 1 crore lasts 30 years of retirement?

Summary: The good news is that you can stretch your Rs 1 crore retirement corpus for 30 years. But how much will your monthly expense have to be? Let’s do some number-crunching for you… At 54, Shashank Srinivasan felt a familiar mix of pride and regret. Pride because after years of working, he had finally managed to build a retirement corpus of Rs 1 crore. Regret because he knew he had started far too late. Like many of us, Mr Srinivasan's early 30s and 40s were consumed by EMIs, school fees, career changes, and life just... happening. It wasn’t that he didn’t want to save. It was that he didn’t prioritise it, until he suddenly realised he was just six years away from retirement. After a frantic catch-up sprint, cutting expenses and upping SIPs, he crossed the Rs 1 crore mark by 60. Now came the bigger challenge: making it last. The maths of making it work Mr Srinivasan had a simple goal: a peaceful retirement for the next 30 years. Given lifespans have increased due to modern medical wonders, it is better to assume Mr Srinivasan expe

This article was originally published on August 06, 2025.