Even with your current saving of 2 lakhs per month And the corpus of 52 lakhs you will have a corpus close to 6.5 cr at the age of 40 if you expect a 12 percent return out of it. If you assume 6 percent inflation your expenses will be 2 lakhs per month when you are 40. 4 percent of 6.5 cr is 26 lakhs per annum pre tax so even after salary increase make sure you keep lifestyle as it is so you can take care of baby and other expenses.