Your withdrawal rate is the percentage of your total portfolio value that you take out each year to cover expenses. For example, with a ₹1 crore portfolio and ₹4 lakh annual spending, your withdrawal rate is 4%.

Safe Withdrawal Rates

• 4% — Classic rule from the Trinity Study; historically sustainable over 30 years
• 3.5% — More conservative; better for early retirement (40+ year horizon)
• 3% — Very conservative; often used for Fat FIRE or high certainty

India Considerations

Indian inflation (historically 6–7%) and lower expected real returns on fixed income mean some advisors suggest 3–3.5% for India. Use our Withdrawal Rate Calculator to model your scenario.