How much money do you need to be financially free in India?

在印度，需要多少钱才能实现财务自由？

以下是Quora网友的评价：

Soniya Mehra

In my personal opinion:

If you've Rs.1 crore, even 10% returns would make you happy.

If you've Rs.1 lakh, even 5x returns would look insignificant.

Make your corpus big. For that, save more. For that, earn more. For that, learn more.

From 1 lakh to 10 lakh is 10x

˃10 lakh to 1 Crore is 10x

˃1 Cr to 2.5 Crore is 2.5x

˃2.5 Cr to 5 Cr is 2x (Financial Freedom)

˃5 Cr to 10 Cr is 2x (Foundation for Generational Wealth)

First two are the most difficult ones, may require 12 to 15 years of good career.

在我个人看来：

如果你有1千万卢比，即便只有10%的回报也会让你非常满意。

如果你有10万卢比，即便达到5倍的回报也显得微不足道。

把本金变大。为此，好好多存钱。为此，好好多赚钱。为此，好好学习。

从10万到100万是翻10倍

从100万到1000万是翻10倍

从1000万到2500万是翻2.5倍

从2500万到5000万是翻2倍(可以实现财务自由)

从5000万到1亿也是翻2倍(可以创建家族财富)

前两步是最难的，可能需要12到15年的高薪职业生涯才能完成积累。

Bharat R

The amount of money you need to be financially free in India depends on a number of factors, including your lifestyle, expenses, and desired retirement age. However, as a general rule of thumb, you will need to have accumulated a corpus of at least Rs. 2-3 crores to be financially free.

This corpus can be generated through a combination of savings, investments, and other sources of income. For example, if you are able to save 50% of your income and invest it in a diversified portfolio of assets, you can expect to generate a corpus of Rs. 2-3 crores in 20-30 years.

在印度需要多少钱才能实现财务自由，取决于很多因素，包括生活方式、消费水平和期望的退休年龄。但一般而言需要积累至少2000-3000万卢比的本金才能实现财务自由。

这个本金可以通过储蓄、投资和其他收入来源相结合来实现。例如，如果你能够节省50%的收入，并将其投资于多元化的资产组合，你就可以在20-30年内积累2000-3000万卢比的本金。

Once you have accumulated this corpus, you can withdraw a portion of it each year to cover your living expenses. The amount you can withdraw will depend on the rate of return you are able to generate on your investments. For example, if you are able to generate a 7% rate of return on your investments, you can withdraw Rs. 14-21 lakhs per year from a corpus of Rs. 2-3 crores.

Of course, the amount of money you need to be financially free will vary depending on your individual circumstances. However, the figure of Rs. 2-3 crores is a good starting point for most people.

你积累够这笔资金后，可以每年提取一部分来支付生活开销。提取的金额取决于你能从投资中获得的回报率。例如，如果你能够实现7%的投资回报率，就可以每年提取140-210万卢比。

当然，需要多少钱才能实现财务自由，这取决于你的个人情况。但对大多数人来说，2000-3000万卢比是一个很好的门槛了。

Here are some additional tips for achieving financial freedom:

以下是一些实现财务自由的额外建议：

Start saving early: The earlier you start saving, the more time your money has to grow.

Invest wisely: Choose investments that have the potential to generate a good rate of return.

Live below your means: Spend less than you earn so that you can save more money.

Create multiple sources of income: Don't rely on just one source of income. Try to create multiple sources of income, such as rental income, business income, or freelance income.

Be patient: Financial freedom takes time and effort. Don't expect to become financially free overnight.

By following these tips, you can increase your chances of achieving financial freedom.

This is not a financial advice.

早点开始存钱：越早开始存钱，你的钱就有越多的时间增值。

理智地投资：选择有可能产生良好回报的投资。

量入为出：勤俭节约，就可以存下更多的钱。

增加收入来源：不要只依赖一种收入来源。尝试多种收入来源，比如租金收入、商业收入或自由职业收入。

耐心等待：财务自由需要时间和努力。不要指望一夜之间就能实现财务自由。

遵循这些建议，你就可以增加实现财务自由的机会。

但这不是财务建议。

Disclaimer: Content shared on or through our digital media or via any other means are for information and educational purposes only and should not be treated as investment or trading advice. Please do your own analysis or take independent professional financial advice before making any investments based on your own personal circumstances. Investment in securities are subject to market risks, please carry out your due diligence before investing. Please note that past performance is not indicative of future returns.

免责声明：我们在数字媒体上或通过任何其他方式分享的内容仅用于信息和教育的目的，不应被视为投资或交易建议。请根据您的个人情况，在进行任何投资前，自行进行分析或征询独立的专业财务建议。投资证券存在市场风险，请在投资前进行评估调查。请注意，过去的业绩并不能保证未来的回报。

Nidhi Shetty

Individual circumstances, lifestyle choices, ambitions, and the idea of financial independence itself all influence the amount of money required to achieve financial freedom in India. Financial freedom is defined as having enough assets and income streams to support your living expenditures without the need for active employment.

Calculate your present and predicted future living expenses, such as housing, food, healthcare, transportation, education, and entertainment.

在印度，各人情况、生活方式、理想和财务独立的想法都会影响到实现财务自由所需的资金量。财务自由的定义是拥有足够的资产和收入来支持你的生活支出，无需主动就业。

计算一下你现在和未来的生活费用，比如住房、食物、医疗、交通、教育和娱乐。

Inflation: Consider how inflation affects the purchasing power of money over time. Prepare for an increase in expenses.

Consider the returns on your investments, which could include stocks, real estate, mutual funds, or other income-generating assets. The better the returns, the less you may need to reach financial freedom.

通货膨胀：考虑随着时间的推移，通货膨胀将如何影响货币的购买力。对于开支的增加要做好准备。

考虑投资回报，比如股票、房地产、共同基金或其他创收资产。回报越高，你实现财务自由所需的本金就越少。

Debt: Reduce or eliminate high-interest debt, as it might have a substantial impact on your financial freedom goal.

Set up an emergency fund to cover unforeseen needs, decreasing the danger of premature depletion of your savings.

债务：减少或还清高息债务，因为它可能对你的财务自由目标产生重大影响。

设立应急基金以应对不可预见的资金需求，减少储蓄过早耗尽的危险。

Retirement Planning: If you're thinking about retiring, figure out how many years you intend to live once you retire and prepare your financial resources accordingly.

Consider passive income streams such as rental income, dividends, royalties, or any other revenue streams that can help you achieve financial independence.

Your risk tolerance affects your investment decisions and possible profits. Higher-risk investments may give higher returns, but they also have higher volatility.

退休计划：如果你正在考虑退休，想清楚退休后你大概能活多少年，并相应地准备好财务资源。

考虑被动收入流，如租金收入、股息、版税或其他可以帮助你实现财务独立的收入流。

你的风险承受能力会影响你的投资决策和可能的利润。高风险的投资可能会带来更高的回报，但它们也有更高的波动性。

Geographic Location: The cost of living in India varies substantially by location. The quantity of money you require for a decent exstence might be influenced by your location.

Personal ambitions and aspirations, such as travel, education, or philanthropy, should be considered.

地理位置：印度的生活成本因居住地而异。你需要多少钱才能过上体面的生活，可能受到居住地区的影响。

个人理想和志向，如旅游、教育或慈善事业，都应该考虑在内。

It's difficult to establish a definite monetary value for financial freedom because it differs from person to person. Using a financial advisor can assist you in develo a customised financial strategy based on your specific circumstances, goals, and risk tolerance. Remember that obtaining financial freedom involves careful planning, disciplined saving, savvy investing, and a thorough awareness of your specific financial situation.

很难为财务自由确定一个具体金额，因为这是因人而异的。财务顾问可以帮助你根据个人情况、目标和风险承受能力制定个性化财务策略。记住，获得财务自由需要详细的计划，有纪律的储蓄，聪明的投资以及对自己财务状况的全面了解。

Srini

Rule of 25 can be used to derive the money needed for retirement.

Simply multiply your expected annual income by 25. Say you plan on withdrawing 50,000 from your retirement savings each year. Multiply that 50,000 by 25 to determine how much you'll need.

So you need roughly around 1,250,000.

25法则可以用来计算退休所需的钱。

很简单，把你的预期年收入乘以25。假设你计划每年从退休储蓄中提取5万美元。用5万乘以25就能算出你需要多少钱。

所以你大概需要125万。

Rakesh Chowdary

Nothing particular. it varies from person to person and depends on their families.

it's not required to lead a luxurious life as per present situations. It's required to be safe and should be in a position to raise a hel hand even for those in need which gives u personal satisfaction and blessings for your family..

这没有什么特定的金额，因人而异，因家庭情况而异。

根据如今的情况，不要过奢侈的生活。必须保证安全，应该对那些需要帮助的人伸出援助之手，这会给你个人带来满足感，也为你的家人带来祝福。

Finally should have sufficient money for well being and happy life and never go back of debts

Even if a person gets old they should be able to take care of entire family and should stand as a support when in need.

That's what I have understood in my life right from young till now.

最后，你应该拥有足够的钱过幸福快乐的生活，绝对不要欠债

就算年纪变大，他们也应该能够照顾整个家庭，并在需要的时候帮助家人。

这就是我从小就明白的道理。

Annapurna Shastri

It is not possible to give a generalized reply to this.. as this depends on the individuals person profile , income, expected expenses, no of dependents, financial goals etc..

I presume you are asking about how much corpus is needed to be saved during your active working years to by retirement to be able to comfortably cover all regular expenses and goals post retirement for the entire lifetime. You can msg me with inputs , I can explain in detail

不太可能对这个问题作出笼统的答复。因为这取决于个人情况、收入、预期支出、家庭规模、财务目标等。

我猜你是想问，工作期间需要存下多少钱，才能在退休前轻松地支付所有日常开支。你可以给我发信息，我可以详细解释

Mani

If you have a corpus which can generate adequate income to maintain your standard of living continuously, you can consider yourself to be financially independent.

如果你有足够的收入来维持你的生活水平，你就可以认为自己达到了财富自由。

Mohit Goyal

My favourite question/topic!

Financial Freedom should be the first goal of any individual who starts working (unless you are born to parents with over 100-crore net worth and they have explicitly stated to give atleast 50% to you!) CONGRATS for being crystal clear in your fundas!

Now start making a list of your annual expenses. include expenses like rent, groceries, movies, eating out, travel, EMI, future cost of events like buying house/car, future cost of children education etc.

Say you end up with a figure of 10-lac per annum.

这是我最喜欢的话题！

财务自由应该是初入职场的人就要确立的目标(除非你的父母净资产超过10亿，并且明确表示至少给你留50% !) 如果你对自己的资产状态十分清楚，那么恭喜你！

现在先列一张年度开支清单，包括房租、杂货、电影、外出就餐、旅行、未来的大项支出如买房/买车、孩子教育成本等。

假设你最终算出来的数字是每年100万卢比。

Now for simplest (and ironically, toughest too) calculation is to multiply is by 50. so your number is 5-crore. There may be inflation to some items + some future goals. Say it increases by 6% every year (i.e. 10lac becomes 10.6lac next year and so on). You simultaneously earn 7–8% on your 5-cr. So net effect is same.

5-cr seems unattainable? Then you get into complicated equations. You have to factor in your age. Also your risk appetite (i.e. can you better the returns from 7–8% to 10–12% or 15–16% per annum) etc. With these factors in, you can bring the target figure down.

Come up with more information, and you can come up closer to the exact number.

现在最简单的做法就是乘以50，所以你得到的数字是5000万。未来可能会出现通货膨胀。假设通胀率是每年6%(即100万明年变成106万)，而你的5000万能提供7-8%的回报。

5000万似乎难以实现？你还必须考虑到自己的年龄、风险偏好(比如，你能不能把年回报率从7-8%提高到10-12%或15-16%)等等。如果能实现，就可以调低目标数字。

提供的信息越多，你就越能得出确切的数字。

Anil Shinde

Does Rs 5 crore gives one financial freedom in India?

Yes It depends on your lifestyle , if you can manage your expences with Rs 15 lakhs per annum and considering inflation of 5 % and return on investment of 10 % , money will last for more than 30 years . So if your age is 50 yrs you can retire with this money.

5000万卢比能让印度人实现财务自由吗？

是的，这取决于你的生活方式，如果你能将每年的开支控制在150万卢比，考虑到5%的通货膨胀率和10%的投资回报率，这笔钱足以撑上30多年。如果你的年龄是50岁，你可以靠着这些钱退休了。