PLANNING
Retirement drawdown calculator
India-focused · Deterministic · Monte Carlo (1000×) · Historical Nifty 50 + Midcap sequences
LEARN: CAGR · Max drawdown · Std deviation
The problem
Most retirement calculators assume your portfolio earns the same return every year. Real markets don't work that way - returns arrive in a sequence, and a bad sequence early in retirement can permanently damage a corpus even when the 30-year average return looks fine. This is sequence-of-returns risk, and deterministic (straight-line) calculators hide it entirely. For a retiree with ₹12L/year expenses, a deterministic model can say ₹2.4 crore is enough; a model that actually simulates thousands of possible return sequences says you need closer to ₹3.8 crore to survive 95% of outcomes.
How to use it
Set your annual expenses and a corpus multiplier (X × expenses) to see which zone you land in - Danger, Buffer, or Sleep-well. Adjust equity allocation, expected returns, and inflation to match your own assumptions. Then compare all three modes: Deterministic (steady returns, what most calculators show you), Monte Carlo (1,000 randomized return sequences - the realistic view), and Historical Nifty sequences (what would have actually happened retiring in each year from 1995 onward, sequence risk included).
Read the full breakdown - The corpus multiplier: why 30× beats a safe withdrawal rate - including the research this calculator is built on. Planning to retire well before 60? See the FIRE calculator (India) for longer early-retirement horizons.
Nifty 50 + Nifty Midcap historical returns 1995-2024 · Not financial advice · For scenario analysis only
Methodology draws on publicly available Indian safe-withdrawal-rate research - see the full story for details.