Retirement Planner — MutualFundAnalysis

Configure your retirement parameters and click Calculate.

💡 How the 25x Retirement Rule Works & Key Guidelines

🔥 The 25x Rule (4% Safe Withdrawal Rate)

The 25x rule states that your retirement corpus should equal 25 times your future annual expenses at retirement:

Withdraw 4% of corpus in Year 1 of retirement to cover living expenses.
Increase withdrawal by inflation annually. Historically, this corpus lasts 30+ years without running out.

🛡️ Post-Retirement Bucket Strategy

Structure your corpus into 3 risk-adjusted buckets upon retirement:

Bucket 1 (1–3 Years): Liquid & Ultra Short Debt Funds for immediate monthly SWP payouts.
Bucket 2 (4–7 Years): Short Duration & Corporate Bond funds generating steady income.
Bucket 3 (8+ Years): Equity Funds to outpace long-term inflation.

📢 Note: Revisit your retirement plan every 3–5 years as your income, expenses, and lifestyle evolve.