VOIWORLD
An Indian couple living in the U.S. for the past 15 years is thinking about moving back to India. They shared their story on Reddit, asking if ₹25 crore (around $3 million) would be enough to retire early and live a comfortable life while raising their young child.
“We are in our mid 30s and we have one small kid. We’ve been living in the US for about 15 years. With all the things happening here in tech and in country, we’re contemplating moving back to India,” the couple wrote in the post titled, “What would be good numbers to move to India and retire”, they asked on the internet
The couple is in their mid-30s and said they want to take a break after moving back and maybe work later, but only if they enjoy it. They don’t want work to take over their lives again.
They asked other Reddit users how much money is needed to retire in India with a good lifestyle.
Many people replied:
Some said ₹25 crore is more than enough, especially in smaller or mid-size cities where monthly costs could be under ₹2 lakh.
Others said living in a big city like Bangalore can be very expensive, especially if you want a lifestyle similar to the US. Homes in premium gated communities can cost ₹5 crore or more.
Good schools and daily living costs also add up, so it depends on the kind of life they want.
One user said, “You might need as little as $50,000 or as much as $10 million—it depends on your lifestyle.”
“Several factors in play. From the place you choose to kind of lifestyle you maintain n your spending habits. If u live in tier 2 smart/well developed city your standard expenses wont go beyond 75k/INR that includes rental, food n some needy things. If u own a house, cost will come down. If ur kid studies in a good standard school, add 30-50k per month on top. As a net net, 2 laks per month would be more than sufficient if u really want a standard+ life. If u find some work there after 12/24/36 months, u will get equal pay per month or more to offset this cost n help you compound to last forever,” one user explained.
In short, most people felt the money should be enough, but the final decision depends on where they live and how they want to live in India.
