Retirement

HRA can shield a big chunk of your salary from tax — but only if you calculate it correctly and keep the old regime. Here is the exact formula, with worked numbers.

How much money do you need to retire? The most cited rule — "save 25× your annual expenses" — is a starting point, not an answer. Your number depends on when you plan to retire, your expected lifestyle, investment returns, inflation, and whether you have pension income. This guide walks through the math.