Post-FIRE SWP Sustainability Calculator
You've hit your FIRE number — now how long will it last? Enter your corpus, planned monthly withdrawal, and retirement age. We'll show how long your money holds up against inflation, and let you stress test against market crashes and large expenses.
Your total invested corpus at retirement
What you plan to withdraw each month (today's ₹)
Equity ~12% · Balanced ~9.5%
India long-term avg ~6%
Stress test
Applies deterministic shocks at regular intervals — a conservative worst-case view, not a random simulation.
portfolio drawdown at fixed intervals
% portfolio lost in crash year
e.g. 7 → crash at yr 7, 14, 21…
medical, travel, home — inflation-adjusted
Will be adjusted for inflation
e.g. 10 → expense at yr 10, 20, 30…
Corpus lasts
Age 100+
Sustainable — survives to age 100
Implied SWR
3.60%
Moderate — watch market conditions
Safe monthly (3.3% SWR)
₹55,000
Withdrawal that survives market cycles
Corpus Projection
Corpus survives to age 100+
How this is calculated
Withdrawal growth
Your monthly withdrawal starts at today's value and grows at the inflation rate each year — so your purchasing power remains constant rather than eroding over time. This is more realistic than a fixed rupee withdrawal.
Safe Withdrawal Rate
The SWR is your annual withdrawal as a percentage of your starting corpus. We use 3.3% as the India-appropriate default (vs 4% US rule) due to higher inflation and no Social Security equivalent.
Stress test
Market crashes and major expenses are applied at fixed intervals — a deterministic worst-case test. Real markets are random; this shows a conservative floor. If your corpus survives the stress test, it's a strong signal.
Assumptions
- 12% annual return = Nifty 50 long-term historical CAGR
- 6% inflation = India CPI long-term average
- Corpus grows at the annual return rate, withdrawals are annual
- Big-ticket expenses are inflation-adjusted to the year they occur