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Retirement Withdrawal Calculator India 2026 – Safe Rate

Use this free Retirement Withdrawal Calculator in India to determine how much you can safely withdraw each year without outliving your retirement corpus.

Calculate sustainable withdrawal rates from your retirement corpus using the 4% rule.

Retirement Corpus ($)

Annual Withdrawal ($)

Portfolio Return (%/yr)

Inflation Rate (%)

Years in Retirement

Country

Currency

Withdrawal Rate

Safe Withdrawal (4%)

Corpus After Period

Corpus Depleted In

What is a Retirement Withdrawal Calculator?

A retirement withdrawal calculator projects how long your savings will last based on annual withdrawals, portfolio return, and inflation. The famous 4% rule suggests withdrawing 4% in year 1, then adjusting for inflation annually.

Formula

Withdrawal Rate = Annual Withdrawal / Corpus x 100 Corpus(next yr) = Corpus x (1+return) - Inflation-adjusted withdrawal Safe Withdrawal = Corpus x 4%

Examples

US — $1M corpus, $40K/yr, 7% return, 3% inflation, 30 years

Withdrawal Rate: 4.0% | Corpus after 30yr: ~$1.12M (sustainable) | Safe withdrawal: $40,000/yr

India — Rs 2Cr corpus, Rs 8L/yr, 8% return, 5% inflation, 25 years

Withdrawal Rate: 4.0% | Corpus after 25yr: ~Rs 1.8Cr | Inflation is the key challenge

Example — United Kingdom

£500,000 pension pot, 4% drawdown, 5% growth, 3% inflation. Annual withdrawal: £20,000 | Monthly: £1,667 | Purchasing power maintained for 30+ years

Why Use This?

The 4% rule has a 95%+ success rate over 30-year retirements based on US historical data. Early retirees with 40+ year horizons should use 3-3.5%.

What is the 4% rule?▼

Withdraw 4% in year 1, then adjust for inflation annually. Based on the Trinity Study (1998) — has worked across historical market conditions over 30-year periods.

What if I retire early (FIRE)?▼

Use 3-3.5% for 40+ year retirements. A $1M portfolio supports $30-35K/yr for 40+ years.

How does inflation affect withdrawals?▼

At 3% inflation, a $40K withdrawal becomes ~$97K after 30 years in nominal terms. Real purchasing power erodes without adjustments.

Tip: The 4% rule has succeeded in 96% of historical 30-year market periods in the US since 1926.