When Can I Retire?

When you can retire depends on three things: how much you need to spend each year, how much corpus you have (or will have), and whether that corpus will last for the rest of your life after you stop earning.

Retirement age in India

There is no fixed “retirement age” for when you may retire; it’s when you can afford to. Statutory retirement (e.g. 58–60) is employer-specific. Financial retirement is when your savings and investments can fund your expenses without a salary.

How to know if you’re ready

Rule of thumb: you need a corpus that can support withdrawals (e.g. 3–4% per year) adjusted for inflation. In India, planners often use 33X–40X annual expenses. You also need to see if that corpus depletes too early — so post-retirement sustainability matters.

Use a retirement planner

Enter your age, expenses, investments, and assumptions. A good planner shows corpus at retirement, monthly pension (withdrawal), and how long the money lasts. That tells you when you can safely retire.