Retirement Income Planner
You've built the corpus — this is about whether it actually lasts once you start spending it, and how much the ORDER of bad years matters, not just their average.
Your retirement corpus
₹
₹
%
%
yrs
Withdrawals are taken at the start of each year and grow with inflation; the remaining balance then earns the expected return for that year. The sequence-of-returns stress cases use the same average return as your base case — only the ORDER differs — so any difference in outcome below is purely about timing, not a different assumption.
Sustainable withdrawal rate
3.81%
Your current withdrawal rate: 4.00%
MoneyFrame's Take: WITHDRAWING TOO FAST
At 4.00%/year, your base case runs out in year 29 — below the 30-year target. Dropping to 3.81% would make it last the full horizon under these assumptions.
₹0
₹0
₹1,29,22,596
₹1,29,22,596
If a rough patch hits in your first 5 retirement years instead of spread evenly, your corpus is projected to run out in year 22 — the same average return, just badly timed, is enough to change the outcome.
Balance over time — three orderings, same average return
Base case: ₹0
Bad years early: ₹0
Bad years late: ₹1,29,22,596
Hover the chart to inspect any year