New Delhi, June 29 -- Every few months, a new retirement number starts doing the rounds. Rs.10 crore. Rs.15 crore. Rs.20 crore. The message is usually the same: unless you have a huge corpus, you are not ready to retire.

But retirement is not about chasing the biggest number. It is about knowing what your life will cost, where you will live, and whether your money can support that lifestyle.

For many Indian couples in their late 40s planning to retire in their early 50s around 2030, Rs.4 crore to Rs.5 crore can be enough for a comfortable retirement. For those living in metro cities, spending Rs.2 lakh a month, traveling often, or maintaining a premium lifestyle, the required corpus may be closer to Rs.8 crore to Rs.10 crore.

So, a Rs....