Everyone saves some money from their income and invests it in different schemes so that they do not face financial problems in the future. Especially in retirement plans, the goal is to collect a fund of ₹1 crore, thinking that it will be enough to enjoy old age.

Do you also think the same? Then stop and think again. According to experts, this amount may not be enough in the future. It is important to change your investment strategy from now on. Let us understand how much ₹1 crore will be worth by the year 2045.

Big Warning for the Middle Class

Today, many people believe that ₹1 crore is a big amount and enough for life after retirement. But by the year 2045, this amount may not be enough. This is a serious warning for the middle class.

The truth is, only a small number of people are planning for retirement properly. Most people feel safe with small pension plans like ₹5,000 per month, which means a total retirement fund of only ₹20 lakh.

But is ₹1 crore enough? Right now, it may seem like a good amount. But after 20–25 years, it will lose its value due to inflation. If today ₹16,000 is enough to run your home, then in 2045, your ₹1 crore may give you the same amount per month — which will not be enough.

If you keep ₹1 crore in the bank in 2045, the monthly return may be around ₹16,000 based on today’s value. This amount is not enough for most families.

Why ₹1 Crore Will Not Be Enough in 2045

As prices go up every year, the cost of living and health care will also rise. If you retire at age 60 with ₹1 crore and live till 85, you will have to use this money for 25 years. That gives you around ₹33,000 per month.

But in the next 10 years, due to inflation, ₹33,000 will feel like only ₹17,500. By the age of 85, it may feel like just ₹16,000. Even today, many families spend that much on groceries and small items. After 25 years, this amount will not be enough to live a good life.

Also, if you face a medical emergency or any extra expense, the situation will become harder. Experts say that ₹1 crore may feel like only ₹23 lakh in 2045.

To live a simple life in a small city, at least ₹2.5 crore may be needed. For a big city, the amount could be ₹4–5 crore.

The main reasons for this problem are rising prices, growing health costs, low financial planning, and too much trust in real estate