Select a historical period and enter your retirement parameters. The simulation will replay the actual retirement corpus trajectory using Sensex for equity returns, 1–3yr FD rates for debt returns, and CPI inflation, If actual market data is not avaialble for the full retirement length, simulation will be used to estimate the remaining trajectory.

The break-even withdrawal rate is the maximum annual withdrawal (as % of corpus) that would have left you with exactly ₹0 at the end — calculated using actual historical data only, with no randomisation.

Caveat: Historical data may not fully represent future market conditions, and past performance is not indicative of future results. Read our post as to why history may mislead Indian retirees!