Thinking about retiring at 40 instead of 60? Most people assume it means saving double the money — but the real difference lies in time, not just corpus size. With 20 fewer years to invest and 20 more years of retirement to fund, the monthly investment required can jump nearly tenfold. This article breaks down the actual corpus you need, the SIP math behind it, the withdrawal rate adjustments for a longer retirement, and the most common mistakes early retirees make in India. Whether you're targeting 40, 45, or just exploring your options, this guide from Techolic gives you the real numbers, not assumptions.