Why early saving for retirement? By Nainesh Kachhiya. Most people not start saving in early age When they started earning. At time of retirement they have no any pension income so they have to work for survive. Let's understand by example, We need 1 Crore at the age of retirement. ….. At the age 25 We have 35 years for saving. We get 1 Crore by save only 4600 Rs per month ….. At the age 35 We have 25 years for saving. We get 1 Crore by save only 11800 Rs per month ….. At the age 45 We have 15 years for saving. We get 1 Crore by save only 37000 Rs per month ….. At the age 50 We have 10 years for saving. We get 1 Crore by save only 63000 Rs per month