🎲 Fun & Lifestyle
Retirement Income Calculator
How much retirement income can your nest egg produce?
Enter values to see your result
Frequently asked questions
What is the 4% rule?
The Trinity Study showed that withdrawing 4% of your starting portfolio in year 1, then adjusting for inflation each year, gave a 95%+ chance of lasting 30 years for a 60/40 stock-bond portfolio.
Does 4% work for longer retirement?
For 40+ year retirements (FIRE), most studies recommend 3.25–3.5%. For 20-year retirements, 5% can work.
Is 4% safe for India?
With Indian inflation averaging 6% and equity returns ~12%, some analyses suggest 3–3.5% SWR is safer than the US 4% figure. Depends heavily on asset mix.
Should I adjust for bad market years?
Yes — "guardrails" approaches (e.g., Guyton-Klinger) cut spending by 10% after portfolio drops 20%, then restore later. More robust than pure 4% rule.