How Much Should You Save for Retirement? 2026 India Guide & Calculator
A comfortable retirement doesn’t happen by accident. In 2026, the median Indian has saved just ₹28 lakh against a target of ₹1 crore — a 3.6‑fold gap. With healthcare inflation at 12–14%, the 4% rule no longer applies, and experts now recommend a 3% withdrawal rate and a corpus of 300× monthly expenses.
