Retirement
25x rule / 4% rule
Also known as: Safe withdrawal rate
A rough guide that you can retire once you have 25 times your yearly expenses saved up.
The 25x rule says your retirement corpus should be about 25 times your annual expenses.
Its flip side, the 4% rule, says you can withdraw roughly 4% of that corpus in year one and adjust for inflation after.
It is a rough starting point, not gospel. Indian inflation and longer retirements mean many prefer a more conservative buffer.
For example
If you spend ₹6L a year, the 25x rule suggests a retirement corpus of about ₹1.5 crore before you can comfortably stop working.