Withdrawal Planning Calculator

Plan your retirement withdrawals, determine safe withdrawal rates, and create a sustainable income strategy from your investments. Calculate how much you can withdraw without running out of money.

Enter Your Retirement Details

Total Portfolio Value ₹1,00,00,000

₹

₹10L ₹1Cr ₹2.5Cr ₹4Cr ₹5Cr

Enter your total investment portfolio value

Annual Withdrawal Amount ₹4,00,000

₹/year

₹1L ₹5L ₹10L ₹15L ₹20L

Enter how much you plan to withdraw annually

Withdrawal Rate 4%

1% 3% 5% 7% 10%

Enter your planned withdrawal rate (4% is traditional safe rate)

Expected Annual Return 7%

1% 5% 9% 12% 15%

Enter expected annual investment return after inflation

Retirement Duration 30 years

years

10y 20y 30y 40y 50y

Enter how long you need your portfolio to last

Withdrawal Strategy Fixed Percentage

Choose your withdrawal strategy

Expected Inflation Rate 6%

For inflation-adjusted withdrawals

Portfolio Safety

Safe

Your portfolio should last 30+ years

95%

Historical Success Rate

₹4,00,000

Annual Income

30+

Years Portfolio Lasts

Withdrawal Rate

Year-by-Year Projection

Year	Beginning Balance	Withdrawal	Investment Return	Ending Balance

Recommendations

About Withdrawal Planning

The Withdrawal Planning Calculator helps you determine how much you can safely withdraw from your investment portfolio during retirement without running out of money. It considers your portfolio value, withdrawal rate, expected returns, and retirement duration to create a sustainable income strategy.

Key Withdrawal Strategies

4% Rule (Fixed Percentage)

Withdraw 4% of your initial portfolio in the first year, then adjust for inflation each year. This strategy has historically provided a 95% success rate for 30-year retirements.

Year 1 Withdrawal: Portfolio Value × 4%

Dynamic Withdrawal

Adjust withdrawals based on portfolio performance. Take smaller withdrawals during market downturns and larger withdrawals during bull markets.

Flexibility: 3-5% range based on market conditions

Bucket Strategy

Divide portfolio into buckets for different time periods (e.g., 0-5 years, 5-10 years, 10+ years) with different risk levels.

Allocation: Cash, Bonds, and Stocks in separate buckets

Factors Affecting Withdrawal Sustainability

Asset Allocation: Higher equity exposure generally supports higher withdrawal rates
Sequence of Returns Risk: Poor early returns can significantly impact portfolio longevity
Inflation: Higher inflation requires larger nominal withdrawals to maintain purchasing power
Taxes: Withdrawals from taxable vs. tax-advantaged accounts affect net income
Unexpected Expenses: Healthcare costs and emergencies can strain withdrawal plans

Safe Withdrawal Rate Guidelines

Portfolio Mix	30-Year Safe Rate	40-Year Safe Rate	Success Rate
60% Stocks / 40% Bonds	4.0%	3.5%	95%
70% Stocks / 30% Bonds	4.2%	3.7%	96%
50% Stocks / 50% Bonds	3.7%	3.3%	94%
100% Stocks	4.5%	4.0%	90%

Important: These calculations are estimates based on historical market performance. Actual results may vary. Consider consulting with a financial advisor for personalized retirement planning. Withdrawal rates should be adjusted based on market conditions, inflation, and personal circumstances.