Retirement Withdrawal Planner
Plan systematic withdrawals using bucket strategy. Know exactly how long your corpus will last with inflation-adjusted income.
💰 Retirement Details
🪣 Recommended Bucket Strategy
Divide your corpus into 3 buckets for different time horizons — this protects against market volatility while maintaining growth.
📉 Corpus Depletion Timeline
📋 Year-by-Year Withdrawal Plan
🔮 What-If Scenarios
💡 Withdrawal Strategy Tips
Withdraw no more than 4% of your corpus annually (adjusted for inflation). This gives a ~95% chance of your money lasting 30 years.
Keep 2-3 years of expenses in liquid/FD (Bucket 1), 3-7 years in balanced funds (Bucket 2), and rest in equity (Bucket 3) for growth.
Keep ₹10-20L separately for medical emergencies on top of health insurance. Healthcare costs rise 12-15% annually.
Use Systematic Withdrawal Plan (SWP) from balanced/equity funds for tax-efficient withdrawals. Only capital gains portion is taxed, not the principal.
Frequently Asked Questions
The 4% rule states you can safely withdraw 4% of your initial corpus annually (adjusted for inflation) and your money should last ~30 years. For India, with higher inflation, a 3-3.5% rate may be more conservative.
Bucket strategy divides corpus into 3 portions: Bucket 1 (2-3 years expenses in liquid/FD for immediate needs), Bucket 2 (3-7 years in balanced/debt hybrid funds), Bucket 3 (remaining in equity for long-term growth). Periodically refill Bucket 1 from Bucket 2, and Bucket 2 from Bucket 3.
A rough formula: Annual Expenses × 25-30 (for 6% inflation). If expenses are ₹80,000/month (₹9.6L/year), you need ₹2.4-2.9 Cr. Factor in health insurance, pension income, and other sources to refine.