Professional-Grade Tool
Safe Withdrawal Rate Calculator
India-calibrated SWR with Monte Carlo confidence intervals.
Retirement Horizon
Corpus & Inflation
Equity / Debt Allocation
Current: 50% equity / 50% debt
Return Assumptions
India-Calibrated SWR vs US 4% Rule
Based on Bengen (1994), US equities, 2-3% inflation.
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
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.
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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.
How much can you withdraw in retirement without running out?
Once you retire, the question flips from "how much can I build?" to "how much can I spend each year without the corpus running dry?" That figure — the safe withdrawal rate — is the percentage of your corpus you can draw in the first year and then raise with inflation, with a low risk of outliving your money. The often-quoted 4% comes from long US market history and is only a starting point.
This calculator tests a withdrawal rate against your corpus, expected return, inflation and the number of years the income must last. In India, higher inflation and potentially long retirements lead many planners to use a more conservative rate than 4%. It also matters when your retirement starts: a poor run of returns in the early years (sequence risk) strains a corpus far more than the same returns later.
How this calculator works
- 1Enter your corpus, the withdrawal rate to test, an expected return and inflation.
- 2The calculator draws an inflation-rising income each year and grows the balance.
- 3It shows whether the corpus survives your required number of years, and what is left.
Frequently asked questions
What is a safe withdrawal rate?
It is the percentage of your retirement corpus you can withdraw in the first year — then increase with inflation each year — with a low risk of running out over your retirement. The 4% figure is a well-known guideline from US data; the right rate depends on your return, inflation and how long the money must last.
Does the 4% rule work in India?
Treat it as a starting point, not a rule. India’s higher inflation and the possibility of a long retirement lead many planners to use a more conservative rate — often around 3–3.5% — which requires a larger corpus but reduces the risk of depletion. This calculator lets you test the rate that fits your situation.
What is sequence-of-returns risk?
It is the risk that a run of poor returns early in retirement — while you are also withdrawing — depletes the corpus much faster than the same poor returns later would. It is why retirees often keep a few years of expenses in low-volatility instruments, so they need not sell equity into a downturn.
Illustrative projections; actual returns and inflation vary and are not guaranteed.
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