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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Documentation

Quick Summary: Safe Withdrawal Rate (SWR) Simulator

The Safe Withdrawal Rate (SWR) is the percentage of your initial corpus you can withdraw annually (adjusted for inflation) without running out of money. While the US follows the 4% rule, India's higher inflation (~6-7%) often requires a more conservative SWR of 3% to 3.5% in FY 2026-27 for a 30-year retirement.

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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.