Dream of ditching the 9-5 before 50? Early retirement at 45 is within reach! We'll break down the numbers to show you how to make it a reality, even with a ₹50,000 monthly expense.
Retiring at 45 means your money works longer. Aim for 25-35x your annual expenses. With ₹50k/month, that's ₹1.5 Crore today. But wait, inflation changes everything!
Inflation is a silent killer! A ₹50,000 expense today will be ~₹1.2 Lakh/month in 15 years (at 6% inflation). Your real target corpus grows to ₹3.6 Crore!
To hit ₹3.6 Crore in 15 years with 12% returns, you'd need a hefty ~₹80,000 - ₹85,000 SIP monthly. Don't fret! There's a smarter, more achievable way forward.
Instead of a fixed SIP, increase it by 10% annually. Start with ₹35,000/month & step up. You could accumulate ₹3.8 - ₹4 Crore! Much more manageable & powerful.
Don't underestimate inflation, ignore healthcare, or chase market returns. Always step up your SIPs and build an emergency fund first. Stay disciplined!
Ready to make early retirement real? Use our SIP calculators at sipplancalculator.in to plan your Step-Up SIP and see how achievable your dream is! Start today!