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How Much Money Do You Need to Retire?

Retirement planning starts with future monthly expenses, not today's rent. Inflation can triple your need over 30 years. A common target is 25× your annual expenses at retirement — then work backwards to a monthly SIP.

Steps to estimate

1. Estimate monthly expenses at retirement (today's expenses × inflation).

2. Multiply annual expenses by 25–30 for a corpus target.

3. Subtract existing savings grown to retirement.

4. Use the retirement calculator for required monthly savings.

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