Rule of 25
Multiply your annual expenses by 25 to estimate the corpus you need to stop working.
₹7.20L
₹1.20L₹1.20Cr
₹1.80Cr
corpus needed
How it works
The corpus that supports a 4% annual withdrawal is 25 times your yearly spending. It is the single most useful number in retirement planning because it converts a vague fear into an amount.
Where it breaks down
Derived from US market history over 30-year retirements. Indian inflation, a longer retirement, or a bad first decade of returns all argue for a larger multiple.
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Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.