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 universal government pension.
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
A note worth reading before you act
The FIRE math works — but equity returns are not a guarantee. Every projection on this site uses long-term historical averages as a baseline. Markets can and do deliver a decade of poor returns, and if that decade happens to be the early years of your retirement, it puts real pressure on even a well-sized corpus. This isn't a reason to not pursue FIRE. It is a reason to build in margin.
The single most effective safety net is an active income source — even a small one. Freelance work, consulting, a part-time role, rental income. If your portfolio has a bad year and returns 6% instead of 12%, ₹15,000–₹25,000 a month of outside income means you don't have to redeem units at a loss while the market is down. You simply wait.
Financial independence is worth building towards. But “retired” doesn't have to mean “never earns again.” Keep a skill that someone will pay you for. Treat your corpus target as a floor, not a finish line. The goal is resilience — not just a number.
Not financial advice. planMyFIRE is not a SEBI-registered Investment Adviser. Calculator results are estimates based on historical assumptions and are for educational purposes only. Past market returns do not guarantee future performance. Consult a SEBI-registered adviser before making investment decisions. Terms of use.