What should be ones fire number for a family the current monthly expense including loans and child expenses is around 1.5lpa

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You should have a minimum of 25 times your current yearly expenses.
1.5 Lakhs *12 *25 = 4.5 Crores
Logic is even every year you withdraw 4% of total corpus it would still last forever considering the minimum 6% interest you will earn in the worst case. (4% of 4.5 crores= 1.5 lakhs monthly)

Now, I would recommend increasing it a bit to be on the safe side considering inflation and all.


~ 5 crores should be minimum.

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Loans would be paid off after a while so that amount can be used for investment too. So don’t stress a lot by thinking of big numbers. 5cr invested across various asset classes should do it for you.

5 to 10 Cr

Ok thank you, i was thinking 8 crore

25 to 30 X your annual expenses to take care of your basic household expenses. That's 4.5 ~5.4 Cr.
Next you need additional money for your other financial goals like buy a house, kids education etc.
8 Cr mein ho jayega!

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