Retirement Expense Planning (2025):
- Current Inflation: 5.09% (Jul 2025) – Use 5-6% for planning[7]
- Expense Reduction: 20-30% typical decrease post-retirement[4][12]
- Healthcare Costs: 40-60% higher for seniors[8][15]
- Travel Expenses: Often increase early retirement[9]
- City Variations: 30-50% cost difference across tiers[10]
- Review Frequency: Annual expense planning recommended[3]
Monthly Expenses at Retirement
₹1,32,450
Major Expense Categories
- Housing & Utilities (25-30%)
- Healthcare & Medical (20-25%)
- Food & Groceries (15-20%)
- Transportation (10-15%)
- Entertainment & Travel (10-15%)
Planning Tips
- Account for medical inflation separately
- Plan for home maintenance & repairs
- Consider relocation to lower-cost cities
- Budget for hobby & leisure activities
- Keep emergency fund for unexpected costs
