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Safe Withdrawal Rate	Percentage of retirement corpus that can be withdrawn in the first year of retirement	(Annual Expenses / Retirement Corpus) × 100	Lower is better (ideally 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