Your retirement corpus

Retirement planning often sparks debates about the “ideal” corpus. Some say Rs 10 crore, others insist on Rs 40 crore, a few suggest Rs 100 crore or more. The truth is, there is no universal number. The right corpus depends on your lifestyle, spending and financial responsibilities. More than inflation alone, it is your standard of living and future aspirations that decide how much you will need. Start with your expenses The simplest way to estimate your corpus is to start from what you spend today. List your regular monthly expenses, such as groceries, utilities, domestic help, transport, fuel and entertainment. Then remove the costs that will stop by retirement, such as children’s educa

This article was originally published on August 20, 2026.