Retirement numbers get quoted as though they were universal — two crore, five crore, ten. None of them mean anything without your own expense sheet attached.
Working backwards from expenses
Start with monthly expenses today, split into essential and discretionary. Inflate the essential half to your retirement year, then fund it for a retirement that may last twenty-five years or more.
Illustration · 6% inflation, 8% post-retirement return, 25-year retirement
Spending today₹60,000per month, essential + discretionary
Same lifestyle at 58₹2.19 Lper month, 26 years on
The figure that matters is the second one. Run your own in the retirement calculator.
The three things people leave out
"Enough" is a calculation, not an opinion — and it is worth redoing every year as your income and expenses move.