Safe Withdrawal Rate (SWR) Simulator
Simulate portfolio depletion over 40+ years with inflation-adjusted annual withdrawals. Find your sustainable SWR for India.
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.
How to use the Safe Withdrawal Rate (SWR) Simulator
- 1
Input Total Corpus
Enter the value of your retirement savings (Stocks + Debt + Cash).
- 2
Set Initial Withdrawal
Enter the amount you need to spend in the first year of retirement.
- 3
Input Inflation Rate
Specify the expected annual increase in your expenses (standard 6%).
- 4
Run Longevity Test
Review the percentage success rate of your corpus across different market scenarios.
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Regulatory Disclaimer
Last verified May 2026
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.