I Have Managed To Save Rs 2 Cr Through My Job; I Am Now 35 Years Old: How Soon Can I Retire?

Saving Rs 2 crore by the age of 35 is a remarkable financial achievement—but it's only the beginning. With this amount, one would be able to decide to retire at 45 or 50, but it will depend on sustainability.

They also need to factor in lifestyle requirements, health, inflation, and whatever future income needs they will have. Having a proper mix of insurance and investment products not only can help one retire early, but one can do it with confidence and security.

One of the biggest challenges of retirement is making your money last a lifetime. Insurance can offer that peace of mind. Annuity plans are particularly well-suited here, not for the returns alone, but for the assurance of a steady income, no matter how long you live.

"Health insurance, too, is a non-negotiable part of any retirement plan. With medical inflation surging rapidly and one unforeseen health emergency swooping down like an eagle, devastating well-thought-out financial planning, it is necessary to have an adequate high cover health insurance policy, ideally having both health and critical illness protection," said Mr. Rakesh Goyal, Director of Probus.

Insurance also serves your retirement goals through guaranteed income plans and ULIPs. Guaranteed income plans encourage disciplined, long-term savings while giving you life cover, while ULIPs combine insurance with market-linked growth potential, leading your money to grow and retaining value above inflation over time.

Got Rs 2 Crore at 35? The Real Question Is - What's Next?

"Rs 2 crore at 35 is not just good, it's powerful. But whether you can retire now or later depends on what you want life to look like post-retirement. If your annual spending is under Rs 6-8 lakh and you invest wisely (think equity, debt mix, FD), diversifying your portfolio investment, then technically, yes, you could step away from the rat race," commented Trivesh D, COO-Tradejini.

But remember, inflation doesn't retire. Over the next 10-15 years, your expenses will creep up, even if you don't. Importantly, do not overlook health insurance as it is a non-negotiable that secures your future and shields your wealth from sudden medical expenses.

"So, unless you are okay with a frugal lifestyle or have a side hustle that brings in even a modest income, you may need to stretch the working years a bit. Want comfort, travel, and some buffer for emergencies? Target Rs 5-6 crore," as per Trivesh D.

Give yourself five to six more years, stay invested smartly, and you will retire not just early, but strong, as you would have built momentum. Don't lose it chasing the finish line too early.

Plan Now, Retire Early: What You Need to Do If You Have Rs 2 Cr at 35?

"You are 35, with a corpus of Rs 2 crore, monthly expenses of Rs 70,000 and assuming an inflation rate of 6%. At 50-55, you will need Rs 2 lakh per month. If your investment earns an annual 12-15% from your investment, and you continue to invest for the next 15-20 years, you can actually retire at the age of 50-55. You must invest consistently, properly allocate assets based on valuations and risks, and refrain from major lifestyle inflation," commented Kirang Gandhi, a Pune-based Financial Mentor.

He further added that it is estimated that Rs 6-8 crore (accounting for inflation) would be needed to maintain the post-retirement years for at least 30 years. Start planning with discipline to retire peacefully and independently.

Rs 2 Crore by 35? Here's How to Turn It into Early Retirement by 45

"Saving Rs 2 crore by 35 is a remarkable milestone, but retiring early requires more than just a solid corpus—it demands a sustainable plan. Start by mapping your long-term expenses, factoring in inflation, and investing your savings in a balanced portfolio that delivers both growth and income," commented Sumit Sharma, Founder, Radian Finserv.

To strengthen your retirement plan, consider building additional revenue streams—such as rental income, systematic withdrawal plans, or dividends—that can supplement your savings. Combine that with adequate insurance and disciplined spending, and early retirement in your 40s can become a realistic goal, he further added.

The Truth About Early Retirement: How Far Rs 2 Crore Will Really Take You?

"Early retirement is possible, but Rs 2 crore at 35 should be seen as the beginning of a financial freedom strategy, not the end. Sustainable income, healthcare planning, and inflation-proof investments will be key to retiring on your terms in the next decade, because Rs 2 crore today is not the same Rs 2 crore 10 or 20 years from now. If you plan to retire by 45 and live well into your 80s, that corpus needs to stretch over 35-40 years and that's without accounting for unexpected expenses, lifestyle upgrades, or rising medical costs," said Mr. Ankur Koul CMO of lendingplate.

This is where strategic planning comes in. You'll need a strong mix of assets that provide regular income from mutual funds and dividend-yielding stocks to rental income or annuities. Safeguarding against inflation through equity exposure and health emergencies through adequate insurance is non-negotiable.

From Rs 1 Lakh SIPs to Rs 21 Crore Corpus: The Roadmap to Early Retirement

"A person with a Rs 2 crore corpus at age 35 has most likely saved Rs 1 lakh per month consistently over the past 8-10 years and invested primarily in high-return assets like equities. If this individual continues with a Rs 1 lakh SIP monthly, we can reasonably estimate that their current expenses are around Rs 2 lakh per month," as per Dr. Vikas Gupta, CEO and Chief Investment Strategist, OmniScience Capital.

Looking ahead, with 5% inflation, these monthly expenses will grow to about Rs 3.25 lakhs in 10 years and Rs 4.15 lakhs in 15 years. Now, if we assume they aim to withdraw 4% annually from their future corpus, and the corpus remains 100% in equities with a 12% CAGR (hypothetical), here's what the numbers look like:

For 10-Year Retirement:

• Invest the Rs 2 crore lump sum entirely in equities: this could grow to Rs 6 crores in 10 years.
• Add a Rs 1.25 lakh monthly SIP with a 10% annual step-up: this could grow to about Rs 4 crores.
• Total corpus = Rs 10 crores at age 45, enough to withdraw Rs 3.25 lakhs/month sustainably and inflation-adjusted over time.

For 15-Year Retirement:

• The same Rs 2 crore lump sum grows to nearly Rs 11 crores.
• SIP contributions compound to approximately Rs 10 crores.
• Total corpus = Rs 21 crores by age 50, more than enough for a Rs 4+ lakh monthly withdrawal. In fact, dividend income alone could likely cover most expenses.

Early retirement isn't about guessing—it's about planning. And if you've already built a Rs 2 crore base at 35, you have both the head start and the capacity to finish strong, stated Dr. Vikas Gupta.

Turn Rs 2 Crore Into Rs 6.8 Crore: The Early Retirement Blueprint

As per Mr Vivek Goel, Joint Managing Director, Tailwind Financial Services, you've got a Rs 2 crore head start—impressive. But the key question is. Can this fund support 40-50 years of retirement?

Not yet. But here's how soon you can retire, depending on your next steps:

To retire early and safely, you typically need:

• A corpus of 25-30x your annual expenses. So, if you plan to spend Rs 1 lakh/month (Rs 12L/year), you'll need around
• Rs 3-3.6 crore = lean fire retirement
• Rs 5-Rs 6 crore = comfortable retirement

You already have Rs 2 crore.

If you invest it wisely (say at 10-11% CAGR) and add Rs 50,000/month to your investments, here's what it looks like:

Retire In-Approx Corpus (at 10.5% IRR)

• 5 years (age 40) Rs 3.7 crore
• 7 years (age 42) Rs 4.8 crore
• 10 years (age 45) Rs 6.8 crore

You can retire as early as age 42-45, depending on:

• Your monthly expenses
• Market returns
• Your ability to stay invested and avoid excessive lifestyle inflation

And yes, even earlier, if you:

• Cut expenses
• Build side income
• Save a lump sum from bonuses and other windfalls.

How soon can you retire?

While there is no correct answer to this, it depends on the person, mainly based on the lifestyle one wants to lead post-retirement and the number of years in retirement.

For some, Rs 3-5 crores might be enough to retire and live peacefully, while some might require a corpus of at least Rs 10-12 crores to retire based on their age, responsibilities, goals, and lifestyle. It also depends on their current annual expenses.

While you are required to do lengthy calculations to calculate your retirement corpus, there are a few general rules of thumb that one can use to get a general idea of the corpus required to retire.

x times your current expenses, where x = the number of retirement years.

Let's take an example:

• If you want to retire at 45 & live till 80, you need 35x your current annual expenses. This is the rule of thumb for a 60:40 equity-debt portfolio.
• Therefore, at 45 if you're spending Rs 24 LPA, then you need a corpus of around Rs 8.4 crores to retire.

As per Mr. Rohan Goyal - Investment Research Analyst, MIRA Money, "Now that you know the corpus required for you to retire, how soon you can retire can be determined by figuring out how soon you can reach that corpus. If you have a corpus of Rs 2 crores currently, you would need around Rs 6.4 crores more to retire, and this can be reached by 45 by investing the Rs 2 crores and doing an SIP of Rs 50,000 for 10 years."

Therefore, based on the assumptions made above, one can retire at 45 with Rs 8.4 crores if he has a current corpus of Rs 2 crores.

Disclaimer

The recommendations made above are by market analysts and are not advised by either the author, nor Greynium Information Technologies. The author, nor the brokerage firm nor Greynium would be liable for any losses caused as a result of decisions based on this write-up. Goodreturns.in advises users to consult with certified experts before making any investment decision.