🏠 Retirement Life Stage
Manage your withdrawals, see how long your corpus lasts, and ensure a sustainable retirement.
💰 Corpus
₹2,00,00,000
retirement
📉 Monthly
₹80,000
withdrawal
📊 Rate
4.8%
annual
⏳ Lasts
28 yrs
sustainability
Adjust your numbers
Move sliders to see personalised feedback.
📊 Withdrawal vs return
Annual withdrawal vs expected return
Our Retirement Story: Sunil & Kavita
Best Practices
- ✅ Withdrawal rate: Aim ≤4%. Yours is 4.8% – moderate.
- 💰 Corpus longevity: Current projection = 28 years. For 30+ years, consider reducing withdrawals.
- 📈 Return expectations: 7.0% is realistic for a balanced portfolio (40‑60% equity).
- 📉 Inflation adjustment: Use lower real return (e.g., 2.0% after 5% inflation) for safety.
- ⚖️ 4% rule: Your withdrawal rate exceeds 4% – risky for 30‑year horizon.
- 🏦 Equity exposure: Keep 30‑50% in equities for growth. Your return assumption implies moderate equity.
- 📊 Bucket strategy: Keep 2‑3 years of expenses in cash/FD, rest invested.
- 🔒 Health care costs: Budget 5‑10% of corpus for medical – factor into withdrawals.
- 📅 Review annually: Adjust withdrawals based on market performance and inflation.
- ⚠️ Deficit alert: Withdrawal > return – corpus depleting.
Retirement – FAQs
4% rule
withdrawal rate
corpus longevity
inflation
indwallet.com
👥 Community
How much can I safely withdraw? +
INDwallet lets you test withdrawal amounts. The 4% rule suggests 4% of corpus annually. Our insight box flags if your rate exceeds 5%. Pair with Investment Wallet.
Sustainable withdrawal rate in India? +
Indian advisors recommend 3‑4% due to inflation. Adjust return slider to see impact. Also explore Pre‑Retirement stage.
How to account for inflation? +
Use a lower real return (e.g., 6% return – 5% inflation = 1% real). For detailed planning, try Wealth Wallet.
🔎 Most searched
What is the 4% rule? +
It suggests withdrawing 4% of corpus annually, adjusted for inflation, for 30‑year sustainability. INDwallet calculates your rate and warns if >5%.
How long will my corpus last? +
INDwallet estimates years based on withdrawal, return, and corpus. See the summary card for a quick answer.
Equities after retirement? +
Many keep 30‑50% in equities. Adjust return slider to simulate. Use Investment Wallet for asset allocation.
RBI rates impact? +
Lower RBI rates reduce debt returns. Test low returns with slider. Track interest via Income Wallet.
🤖 AI Assistant
Avoid outliving corpus? +
Insight box flags high withdrawal rates and estimates longevity. All private, runs in browser – INDwallet principle.
Simulate different markets? +
Adjust return slider to test bull/bear markets. Sustainability updates instantly.
Why INDwallet? +
Fully interactive, private, integrated across life stages. Visit indwallet.com for all wallets.
Explore the INDwallet Ecosystem
INDwallet – private, free, India-first