{% extends "base.html" %} {% from "_notes.html" import fine_print %} {% block title %}{{ page_title }} · Networthy HQ{% endblock %} {% block main_class %}wide{% endblock %} {% block content %} {% if user %} {% endif %}

How much do I need to retire?

Enough that what you withdraw each year, rising with inflation, doesn't outrun what the corpus earns. Put in your monthly spending and see the number at each withdrawal rate — and, if you add what you already have, how long it would actually last. {% if not user %}It's all worked out in your browser: nothing you type is sent to us.{% endif %}

What retiring today costs

The corpus you'd need at each withdrawal rate, and where you stand against it.

{# --------------------------------------------------------------------------- Server-rendered reference tables: the indexable half of the page, and what a reader without JS sees. Same maths as the calculator above. --------------------------------------------------------------------------- #}

Corpus needed by monthly spending

At a 3% withdrawal rate — the defensible assumption for India — retiring on ₹1 lakh a month takes about ₹4 crore. At the American 4% rule it's ₹3 crore; at a cautious 2.5% it's ₹4.8 crore.

{% for p in presets %} {% endfor %} {% for row in corpus_rows %} {% for n in row.needed %} {% endfor %} {% endfor %}
You spend{{ "%g"|format(p.pct) }}% ({{ "%.0f"|format(100 / p.pct) }}×)
{{ row.monthly_label }}/month{{ n.label }}

Corpus = a year's spending ÷ the withdrawal rate. A 4% rate is 25× your annual spending, 3% is 33×, 2.5% is 40×.

SWP: how long does the money actually last?

Withdrawal calculators usually assume you take out the same rupee amount forever. You don't — you spend to live, and living gets dearer. These are years-until-empty with the withdrawal rising at {{ "%g"|format(default_inflation) }}% a year, which is what changes the answer.

{% for r in returns %} {% endfor %} {% for row in duration_rows %} {% for y in row.years %} {% endfor %} {% endfor %}
Withdraw each yearif returns are {{ "%g"|format(r) }}%
{{ "%g"|format(row.draw) }}% · {{ "%.0f"|format(row.multiple) }}× corpus{% if y is none %}{{ horizon }}+ years{% else %}{{ y }} years{% endif %}

Read the row you're planning on, then read the column to its left. A 4% withdrawal outlives {{ horizon }} years at 10% returns and empties in 37 years at 8% — the plan didn't change, the returns did. That gap is the argument for a lower rate.

Where these numbers come from

The arithmetic

The corpus figure is a year's spending divided by the withdrawal rate — the standard rule-of-thumb inversion, nothing more. The duration table runs a year-by-year loop: the balance earns the return, then the year's spending is withdrawn, and that spending rises with inflation each year. No tax is modelled, so every figure here is somewhat optimistic.

Why 3% and not 4%

The famous 4% rule comes from the Trinity study — US stocks and bonds over 1926–1995, a 30-year retirement, roughly 3% inflation, with Social Security underneath it. India matches none of those: general inflation runs nearer 6%, healthcare costs rise faster still, the reliable return history is shorter, and there is no state pension floor to catch you. 2.5–3% is the defensible range here, which means 33–40× your annual spending rather than 25×.

What this can't tell you

Averages, not sequences. A retirement that meets a 10% average return but takes its bad years first can fail where the same average in a kinder order succeeds — and nobody gets to choose the order. Treat these as the floor of what you need, not a target to just reach.

{{ fine_print("Estimates for planning, not a retirement plan.") }}
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Then check it against your real numbers

This works off two figures you typed. Networthy HQ tracks the actual ones — every asset priced live, your real spending by category, and a year-by-year projection to 95 that counts your goals along the way.

Get started — it's free Explore the live demo

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Also useful: where your net worth ranks among adults in India and worldwide.

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