Answer Post
Your retirement corpus depends on expected annual expenses at retirement, inflation, retirement duration, and post-retirement returns. Rather than fixed age-based numbers, use personalized calculations and update them regularly.
Plan retirement as a moving target and revise corpus needs annually.
Start with retirement corpus and use goal SIP to back-calculate monthly investing needs.
Should I include healthcare separately?
Yes, medical inflation may exceed regular inflation and needs separate buffers.
Can I retire with only one corpus estimate?
Use conservative and optimistic scenarios to avoid underfunding risk.