Risk
Withdrawal Rate Calculator
Test withdrawal rates against a range of return assumptions.
Last updated 14 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Your corpus
Which combinations survive 30 years
Green cells last the full 30 years on ₹1 Cr. Red cells run out sooner — hover or tap a cell for the exact withdrawal amount.
| Withdrawal ↓ / Return → | 6% | 7% | 8% | 9% | 10% | 11% | 12% |
|---|---|---|---|---|---|---|---|
| 3% | |||||||
| 3.5% | |||||||
| 4% | |||||||
| 4.5% | |||||||
| 5% | |||||||
| 5.5% | |||||||
| 6% | |||||||
| 7% | |||||||
| 8% |
4% withdrawal at 8% return
Survives
6% withdrawal at 8% return
Survives
8% withdrawal at 8% return
Survives
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A grid instead of a single number
Most withdrawal-rate discussions collapse to one number — 4%, sometimes argued up or down slightly. The more honest picture is a grid: at a given corpus, which combinations of withdrawal rate and market return actually survive your target retirement length, and which don't. This calculator runs the same month-by-month simulation as our SWP calculator across every cell.
What the boundary tells you
Look at where green turns to red along each row. That boundary is the return your corpus needs to earn for a given withdrawal rate to actually work — and how far your own return assumption sits from that boundary is a more useful measure of safety margin than the withdrawal rate alone.
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Frequently asked questions
What is a withdrawal rate?
Your annual withdrawal as a percentage of your starting corpus. A ₹1 crore corpus with a ₹50,000 monthly withdrawal has a 6% annual withdrawal rate.
Why does the same withdrawal rate show as safe at one return and unsafe at another?
Because sustainability is a relationship between the two, not a property of the withdrawal rate alone. A 6% withdrawal is comfortable if the corpus earns 9%, and unsustainable if it only earns 5% — the grid exists to make that relationship visible instead of relying on a single rule of thumb.
Why not just use the commonly quoted 4% rule?
It came from one specific historical dataset and one specific set of assumptions about return and time horizon. The grid above lets you see how much room you actually have — or don't — at your own numbers, rather than borrowing someone else's answer.