Why ₹1 Crore Won't Save Your Retirement

Most retirement calculators will tell you that ₹1 Crore is a comfortable retirement corpus. They're wrong — dangerously wrong.

The Inflation Problem

If you're 25 today with monthly expenses of ₹20,000, here's what inflation does over 35 years at 6% per year:

• Your ₹20,000/month becomes ₹2.8 Lakh/month by age 60
• That's ₹33.6 Lakh per year just to maintain your current lifestyle
• ₹1 Crore would last you barely 3 years

The Real Number

For a 25-year retirement (age 60 to 85), accounting for inflation and a 4% safe withdrawal rate, you actually need ₹6-7 Crore.

What Can You Do?

Start early. A ₹10,000/month SIP at 12% CAGR for 35 years grows to approximately ₹6.5 Crore. The math works — but only if you start now.

This is a draft article. Detailed calculations and interactive tools coming soon.