Find your real retirement number — not the scary viral one
4.0%
2%6%
What does this mean? Withdrawal Rate is the return your invested retirement corpus is assumed to generate each year. For example: if you invest ₹1 Crore and it generates ₹4.5 Lakh a year, your withdrawal rate is 4.5%. If you keep your Legacy Plan at 100% (never touch principal), this return alone funds your full expenses forever. If you set a lower Legacy Plan, you're also spending down part of the principal itself over the years, on top of the return — so your corpus doesn't need to be as large.
0%
0% means you're comfortable using up your full corpus by your life expectancy. 100% means you never touch the principal — it stays fully intact for your family.
YOUR REAL RETIREMENT NUMBER
₹0
Based on your inputs, inflation-adjusted at 6.5% per year
Standard "never touch principal" rule (4%)₹0
Your real number₹0
Biggest Driver
This is an educational estimate based on simplified assumptions and does not account for taxes, healthcare shocks, or market volatility. Please consult a financial advisor before making retirement decisions.