u/NavaI4

Hi everyone,
My spouse and I are trying to figure out how many more years we should continue working before we can comfortably move to / live in India with a FatFIRE-style lifestyle.
Current rough numbers:
Liquid / investment portfolio across personal + 401K: about ₹10.4 crore
US home equity: about $250K, roughly ₹2.3–2.4 crore
Indian real estate investments: about ₹2 crore
Gold ornaments and bars worth**: ₹1.4 crore**
Current total net worth including home equity and Indian real estate: roughly ₹15.8-15.9 crore
Expected yearly expenses in India: about ₹50 lakh per year
Our current thinking is that if we continue working for another 3 years, we should be able to save another $400K, which is roughly ₹3.8 crore at current exchange rates.
Assuming our investments grow at around 10% YoY, our current ₹10.4 crore investment portfolio could become roughly ₹13.8–14 crore in 3 years. Adding the extra savings, our investable corpus could be around ₹17.5–18 crore, excluding any change in real estate values. Including US home equity and Indian real estate, total net worth could be around ₹23 Crore
Given expected annual expenses of around ₹50 lakh in India, would this be enough for a FatFIRE lifestyle?
A few questions for the group:
Is ₹50L/year a reasonable FatFIRE spend in India for a family with good housing, travel, healthcare, eating out, and general comfort in Bangalore
What corpus would people here target for ₹50L/year expenses — ₹12 crore, ₹15 crore, ₹20 crore+?
Would working 3 more years likely put us in a strong position, or would you continue longer for more buffer?
For people who have moved back to India or are planning to, what hidden costs or lifestyle assumptions should we watch out for?
Would love thoughts from people who have modeled this seriously or are already living this lifestyle in India.

Planning a permanent move back to India (likely Bangalore or Hyderabad) by late 2030. We are family 3 and in early 30’s by the time we move we will be in mid 30’s

I’m trying to determine if I’m officially in "Coast" territory for a high end lifestyle in India. The goal is to reach a point where I only work to cover living expenses while letting my portfolio grow untouched.

Portfolio Snapshot (Current: ~$1.1M USD / ₹10 Cr) and not including real estate investments which will worth close to 450K

• Core Holdings: Heavily weighted in S&P 500 (70%) and Tech/Individual Equities (20%), with smaller slices Gold and Crypto.

2029 Target: Aiming for a Liquid Net Worth of 18-19Cr (2M) by the time we relocate.

🇮🇳** The India Plan

• Real Estate: Monitoring luxury villa plots and high-end developments in Bangalore/Hyderabad. Can buy it without touching equities

• Lifestyle: We aren’t looking to live "Lean." We prioritize organic/clean-label products, fitness, and Tier-1 city amenities.

• Work: Post-2029, I plan to stay active in the AI/Tech space (currently getting hands dirty on agentic workflows), but purely to keep the brain sharp, not to fund retirement.

Questions for the sub:

1.

The 15 Cr Question: For those already in India, is 15 Cr a safe "Coast" number for a family of three in a Tier-1 city, considering international school fees and rising luxury real estate costs?

2. Real Estate Strategy: Is it better to lock in a premium plot in Bangalore/Hyderabad now to hedge against appreciation, or keep the capital in US markets until 2030?

Happy to provide more context as needed. Annual expenses can be 5 lakhs a month and expecting my coast work should cover insurance, may be 50%