Does the 4% rule work in India?

The 4% rule (25x expenses) was calibrated for US conditions (3% historical inflation). India's 6-7% inflation makes 3-3.5% (30-33x expenses) more appropriate for a 30+ year retirement. Use this simulator to test different rates for your specific inputs.

What happens if my portfolio fails the SWR test?

Options: (1) Reduce withdrawal rate by 0.5%, (2) Increase corpus by working 2-3 more years, (3) Add part-time income for first 5-10 years (Barista FIRE), (4) Implement a dynamic withdrawal rule (withdraw less in bear markets).

What is the safest withdrawal rate for Indian retirement?

For a 30-year retirement, studies suggest 3.5% (28.5x expenses) has 90%+ success in Indian market scenarios. For a 40-year retirement, 3% (33x) is recommended. Freefincal research on Indian equity/debt mix recommends 3.3% for robust plans.

Safe Withdrawal Rate (SWR) Simulator

Simulate portfolio depletion over 40+ years with inflation-adjusted annual withdrawals. Find your sustainable SWR for India.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.