Retirement income planner

Corpus at retirement

Retirement age

Planning age

First-year spending (annual)

Inflation

Equity share of the corpus

Assumed equity return

Assumed debt return

Withdrawal strategy

Other assumed monthly income (pension, annuity or rent)

Other income rises with inflation

Hypothetical effective tax on corpus withdrawals

First-year spending capacity—

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Method and sources

The annual path applies a fixed blended return, adds assumed other income, and grosses up the net spending gap by dividing by one minus the hypothetical withdrawal-tax rate. Year-one spending and other income equal the entered amounts; indexation begins in year two. Fixed-share withdrawals use opening corpus. Guardrails cut or raise planned spending by 10% at the entered gross-withdrawal-rate triggers. A first-year capacity is shown only when a unique near-zero terminal-corpus boundary can be found. This is a deterministic what-if, not a market-sequence forecast, tax calculation or guarantee.

freefincal · safe withdrawal rate for Indian retirements

Illustrative estimate only. Returns, inflation and the hypothetical tax rate are assumptions, not guarantees. No market sequence, tax-law calculation or guarantee is implied. Not financial advice.