Retirometer - V (Retirement Risk Assessment Calculator)
| Current Age: | |
| Retirement Age: | |
| Current Savings (₹): | |
| Regular Annual Savings (₹): | |
| Current Annual Expenses (₹): | |
| Return % (Annual): | |
| Inflation % (Annual): |
Ratirometer
Comfortable
Secure
Stable
Moderate Risk
At Risk
Critical
Safe Withdrawal Rate: 0% - -
Withdrawal Coverage Ratio: 0%
Retirement Estimates
| Retirement Corpus (₹) | - |
|---|---|
| Annual Investment Returns (₹) | - |
| Annual Expenses at Retirement (₹) | - |
| Safe Withdrawal Rate | - |
| Risk Level | - |
Risk Level Parameters
| Risk Level | Color | Safe Withdrawal Rate Range | Comment |
|---|---|---|---|
| Comfortable | Less than 2% | Substantial safety margin, no financial worries | |
| Secure | 2% to 3% | Very safe, minimal risk of shortfall | |
| Stable | 3% to 4% | Standard retirement planning target (4% rule) | |
| Moderate Risk | 4% to 5% | May need adjustments or reduced spending | |
| At Risk | 5% to 7% | High risk of depletion, needs immediate action | |
| Critical | 7% and Above | Very high risk of running out of money |
🔗 Retirometer - V: Assess Your Retirement Risk
If you want to understand more about the Safe Withdrawal Rate, its origin, and why the 4% SWR rule is not an ideal approach, please read my detailed article.
👉 Read the Full ArticleRatio Explanations
| Ratio | Concept | Formula | Interpretation |
|---|---|---|---|
| Safe Withdrawal Rate | Percentage of retirement corpus that can be withdrawn in the first year of retirement | (Annual Expenses / Retirement Corpus) × 100 | Lower is better (ideally <4%). Based on the 4% rule for sustainable withdrawals. |
| Withdrawal Coverage Ratio | Percentage of expenses covered by investment returns | (Annual Returns / Annual Expenses) × 100 | Higher is better (ideally ≥100%). Shows if your returns can cover expenses. |
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| Retirometer (Retirement Risk Assessment Calculator) |
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