NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
NIFTY 50₹22,500▲125.30(0.56%)•
SENSEX₹74,200▲412.50(0.56%)•
BANK NIFTY₹48,300▼210.40(0.43%)•
TATA MOTORS₹780.00▲12.45(1.62%)•
INFOSYS₹1,520.00▼18.20(1.18%)•
WIPRO₹475.00▲5.60(1.19%)•
RELIANCE₹2,890.00▲34.50(1.21%)•
TCS₹3,650.00▼28.10(0.76%)•
HDFC BANK₹1,580.00▲15.20(0.97%)•
ICICI BANK₹1,120.00▲8.90(0.80%)•
SBI₹820.00▼5.30(0.64%)•
BHARTI AIRTEL₹1,650.00▲22.80(1.40%)•
HUL₹2,380.00▼12.40(0.52%)•
ITC₹445.00▲3.20(0.72%)•
KOTAK BANK₹1,780.00▲14.60(0.83%)•
LT₹3,420.00▼45.20(1.30%)•
AXIS BANK₹1,080.00▲9.50(0.89%)•
BAJAJ FINANCE₹7,200.00▲85.40(1.20%)•
MARUTI₹12,400▼150.00(1.19%)•
ASIAN PAINTS₹2,850.00▲18.90(0.67%)•
HCLTECH₹1,420.00▼16.30(1.14%)•
TITAN₹3,250.00▲42.60(1.33%)•
ADANI PORTS₹1,380.00▼22.40(1.60%)•
POWER GRID₹310.00▲4.80(1.57%)•
NTPC₹365.00▲6.20(1.73%)•
SUNPHARMA₹1,680.00▼8.50(0.50%)•
Trustner
All Calculators

Professional-Grade Tool

Safe Withdrawal Rate Calculator

India-calibrated SWR with Monte Carlo confidence intervals.

Retirement Horizon

years
55 years70 years
years
75 years100 years
Planning Horizon25 years

Corpus & Inflation

Rs.
Rs.10,00,000Rs.50,00,00,000
% p.a.
4 % p.a.8 % p.a.

Equity / Debt Allocation

Current: 50% equity / 50% debt

Return Assumptions

%
6 %15 %
%
10 %30 %
%
4 %9 %
%
1 %6 %
Monte Carlo Simulation
Running 100 random paths per SWR
Recommended Safe Withdrawal Rate
4.00%
Annual Withdrawal
₹8.00 L
Monthly Withdrawal
₹66,667
Success Probability
92%

India-Calibrated SWR vs US 4% Rule

US 4% Rule
₹66,667/mo

Based on Bengen (1994), US equities, 2-3% inflation.

India-Calibrated SWR (4.00%)
₹66,667/mo

Based on 6% inflation, 12% equity, 6.5% debt.

Corpus Trajectory — Monte Carlo Percentiles

95th percentile (lucky), median, and 5th percentile (unlucky) out of 100 random return paths.

Success Rate by Withdrawal Rate

Probability your corpus survives 25 years at each SWR (out of 100 runs).

Sequence-of-Returns Risk

Two retirees withdraw at the same SWR (4.00%) with the same average returns — but the order differs. Bad early years can destroy a plan.

Key Insights

India SWR < US 4% rule
Your SWR 4.00% is near the US 4% rule because India inflation (6%) runs ~2-3× higher than US (2-3%), eating corpus faster.
Allocation matters
Shifting from 50/50 to 70/30 typically raises the sustainable SWR by ~0.5% but increases portfolio volatility — expect bigger drawdowns in bad years.
Horizon drives SWR
Longer horizon = lower safe SWR. A 30-year retirement needs roughly 0.5% lower SWR than a 20-year retirement because compounding of withdrawals is unforgiving.
Sequence risk is real
Bad returns in the first 2-3 retirement years (sequence risk) can shorten portfolio lifespan by 8-12 years versus the same returns in reverse order.
CFP Note — India vs US SWR

Bengen's classic 4% rule was built on US data with ~2-3% inflation and a 60/40 portfolio. India's higher inflation (6%) and different return-volatility profile push the sustainable rate lower — typically 3.0–3.75% for conservative retirees over 30-year horizons. This calculator Monte-Carlos your actual corpus against India-calibrated assumptions. Pair it with a bucket strategy and Guyton-Klinger guardrails (cut withdrawals 10% in bad years) for resilience. Talk to a SEBI-registered CFP before locking a withdrawal plan.

Personalised Plan

Want a personalised plan around these numbers?

Share your contact — your Relationship Manager will call back with a goal-based plan, zero obligation. We never spam.

Your result: SWR 4%, monthly 67K sustainable for 25y

We call back within 24h · Zero spam · AMFI ARN-286886

Disclaimer: Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns. Monte Carlo simulations illustrate a range of possible outcomes based on historical-style assumptions; they do not predict future returns. Consult a SEBI-registered investment advisor or CFP before implementing any withdrawal plan.

Next Step

Turn These Numbers Into Your Real Wealth

Get a personalized investment roadmap on WhatsApp in 30 seconds — our team will map these calculations to actual funds and a goal-based SIP plan, completely free.

Get My Personalized RoadmapGet Plan on WhatsApp

Trustner Asset Services Pvt. Ltd. · AMFI ARN-286886 · No obligation, no charges

Sign Up NowTalk to Us