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Retirometer - V (Retirement Risk Assessment Calculator)

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Retirometer - V (Retirement Risk Assessment Calculator)

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: 0.00% - -
Withdrawal Coverage Ratio: 0.00%

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 Article

Ratio 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Safe Withdrawal Rate Percentage of retirement corpus that can be withdrawn in the first year of retirement (Annual Expenses / Retirement Corpus) × 100 Lower is better (ideally 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.
Retirometer (Retirement Risk Assessment Calculator)

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