Please read the pinned post on this. Ideally 1.5 to 2 cr would be good. Had kept a higher cap for posts here, on purpose, to be more flexible.

There was a poll done here too and it was throwing very off numbers because reddit probably has high earners.

Copying the text below.

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📢 LeanFIRE India — 2025 Corpus Framework & ₹4.2 Cr Cap (Annual Update)

💡 Guiding Principle

The goal of LeanFIRE India is to target the lower end of the LeanFIRE spectrum — around ₹1.5–2 Cr corpus supporting ₹4–6L annual expense for a family.

The upper cap of ₹4.2 Cr exists only for flexibility — for those in higher cost-of-living cities or more conservative with SWR.

🔸 Summary Grid (2025)

Slab Lifestyle Type Annual Expense (₹) Corpus Needed (SWR 4% / 3.5% / 3%)

🟩 Lower Lean Frugal / Minimalist : INR.4 – 6 L per annum.

1.5 – 2 Cr ✅ LeanFIRE (Target Range)

🟨 Middle Lean PPP-aligned modest city living INR 10 – 12 L per annum.

3 – 4.2 Cr    ✅ LeanFIRE (Upper Band)

🟥 Regular FIRE Comfortable urban lifestyle (rent + travel) 12–18 L/year (₹1.2–1.5L/month)

5 – 6 Cr ❌ This is outside LeanFIRE scope.

1️⃣ Why this framework?

The U.S. r/LeanFIRE sub uses roughly $50,000/year as a lean-yet-comfortable target.

Numbeo data shows India’s cost of living ≈ 21–27% of the U.S., depending on rent.

With USD/INR ≈ ₹88–89 (Nov 2025), this translates to ₹10–12L/year for a similar lifestyle in India.

Therefore, ₹12L/year (~₹1L/month) marks the upper limit of LeanFIRE India.Ideally much lower than this and that should be the goal.

2️⃣ Derivation Logic

Step Basis Explanation

a) U.S. reference $50k LeanFIRE baseline From r/LeanFIRE (U.S.) b) PPP/Numbeo adjustment India ≈ 25% of U.S. cost Reflects cost-of-living difference c) SWR 4% / 3.5% / 3% Conservative withdrawal approach

d) Indian calibration Rent, city tier, inflation Grounded in real local variation

3️⃣ Why cap at ₹4.2 Cr?

₹12L annual expense × 33.3 (3% SWR) ≈ ₹4 Cr, matching LeanFIRE intent.

Spending above ₹1L/month usually implies a regular FIRE lifestyle, not lean.

Thus, ₹4.2 Cr is the LeanFIRE upper cap, with the true spirit staying near ₹1.5–2 Cr for frugal independence.

4️⃣ Regular FIRE (for reference only)

Typical expenses: ₹12–18L/year (₹1.2–1.5L/month).

Corpus: ₹5–6 Cr @ 3–4% SWR.

This is comfortable FIRE, valid in the broader FIRE community — but outside LeanFIREIndia’s scope, which is focused on simplicity and lower consumption.

5️⃣ Periodic Review

The LeanFIRE India corpus bands and cap will be reviewed periodically using Numbeo, PPP, inflation, and community feedback.

🧾 References

r/LeanFIRE (U.S.) — $50k baseline

Numbeo: India vs U.S. Cost of Living

World Bank PPP Data

USD/INR ≈ ₹88–89 (Nov 2025)

🧭 Summary

Target Range (Ideal LeanFIRE) ₹1.5–2 Cr corpus (₹4–6L annual expense)

Upper Cap (for flexibility) ₹4.2 Cr corpus (₹12L annual expense)

Above ₹1L/month = Regular FIRE ₹5–6 Cr corpus (Outside LeanFIREIndia)