Can I Retire at 50 With 10 CR? I’m 38 With 1.3 Lakh Monthly Earnings

**How Much Will I Save to Reach ₹10 Crore for Retirement at 50? A Realistic Analysis**

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Early retirement is something most people look forward to but achieving it requires a lot of planning and self discipline. My first piece of advice to anyone aged 38 making ₹ 1.3 lakh per month and contemplating about retiring at ₹ 10 crore at the age of 50 is: let us do the maths with real life examples and solutions.

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Step 1: Learn More About Your Retirement Objective

Starting the calculation with your post-retirement expenses will help you answer whether ₹10 crore is enough?

**Assumptions:**
1. Current monthly expenses: ₹60,000 (excluding EMIs).
2. Inflation: 6% per annum.
3. Post-retirement lifestyle: Providing expenses are similar (adjusted for inflation).
4. Life expectancy: 85 years.
5. Investment returns: Pre retirement: 10%, post retirement: 7%.

Future Monthly Expenses at 50:
Taking an inflation rate of 6%, your current 60,000 will increase to around 120000 monthly at the age of 50.