Retirement income planner

Each year the corpus earns the blended return of the equity and debt shares, then the year's spending less guaranteed income is withdrawn at year-end with the assumed tax on the withdrawal. Inflation-indexed spending rises with inflation from the first year; constant spending does not; the fixed-share strategy withdraws a percentage of the opening corpus; guardrails index spending but cut it 10% when the withdrawal rate exceeds the upper trigger and raise it 10% when it falls below the lower one (Guyton–Klinger capital-preservation and prosperity rules, parameters visible). The sustainable figure is the first-year spending that leaves the corpus at zero at the planning age under the chosen rules, solved by bisection. Deterministic: no market sequence, probability or guarantee is implied.

Rules: Indian withdrawal-rate research, 2026 review, reviewed 2026-09-11.

freefincal · safe withdrawal rate for Indian retirements

Estimates are not personalised financial advice. Review assumptions before use.