Retirement Life Stage.
Make your savings last.
Adjust your corpus, monthly withdrawal, and expected return – see how long your money lasts. Get real-time feedback on the 4% rule and sustainability. 100% private, no data stored.
Our retirement story: Sunil & Kavita
Real‑time retirement planning · Pune, IndiaHi, we’re Sunil (67, retired engineer) and Kavita (65, retired teacher). We’re enjoying our retirement in Pune and want to make sure our savings last.
Right now, our corpus is —. We withdraw — per month, which gives a withdrawal rate of —. At an expected return of —%, our money would last —.
We use the sliders to model different scenarios – adjusting withdrawals, changing expected returns, or planning for a longer horizon. The Retirement Life Stage helps us enjoy our golden years with confidence. We also track our net worth in the Wealth Wallet and investments in the Investment Wallet.
- Withdrawal rate: Aim ≤4%. Yours is 0%.
- 💰 Corpus longevity: Current projection = 0 years.
- 📈 Return expectations: 7% is realistic for a balanced portfolio.
- 📉 Inflation adjustment: Use lower real return for safety.
- ⚖️ 4% rule: Your withdrawal rate is within the 4% guideline.
- 🏦 Equity exposure: Keep 30‑50% in equities for growth.
- 📊 Bucket strategy: Keep 2‑3 years of expenses in cash/FD.
- 🔒 Health care costs: Budget 5‑10% of corpus for medical.
- 📅 Review annually: Adjust withdrawals based on market performance.
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