Retirement Income Calculator United Kingdom — 2025-26
Find out if your retirement corpus is enough to last your lifetime. For United Kingdom. Uses current 2025-26 data.
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Total savings you have at retirement
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How much you plan to withdraw each month
Common questions — United Kingdom
What is a safe withdrawal rate in India?
Based on Indian market data and 6% average inflation, a 3–3.5% initial withdrawal rate (₹30,000–₹35,000/month per ₹1 crore) is considered sustainable for 30+ year retirements. The 4% rule from US research is riskier in India due to higher inflation.
What happens when the corpus runs out?
This is why planning conservatively matters. If you outlive your corpus, you become financially dependent on family — a deeply uncomfortable situation culturally in India and practically everywhere. Plan for 85–90 even if you're 60 today, because healthcare improvements make long lives increasingly common.
Should I annuitise all my retirement corpus?
No — annuitising everything reduces flexibility and leaves nothing for emergencies or inheritance. A balanced approach: annuitise 30–40% (covering essential expenses), keep 60–70% invested in a conservative portfolio (balanced funds, debt funds), draw down gradually.
What investment mix is right for a retiree?
A common approach: 40–50% in balanced/hybrid mutual funds (some equity for growth, some debt for stability), 30–40% in debt funds/FDs (predictable income), 10–15% in gold (inflation hedge), 5–10% in liquid funds (for unexpected expenses). Avoid 100% equity (too volatile) or 100% FDs (real return too low).
How does part-time work in early retirement help?
Even ₹15,000–20,000/month from part-time work reduces your corpus drawdown dramatically. Working for 5 extra years while drawing less means your corpus has more time to grow. "Barista FIRE" or phased retirement significantly reduces the corpus needed.