Why × 33 and today's rupees
The famous 4% rule (× 25) comes from US data and was tested on retirements of up to 30 years. Research on Indian data puts a safe rate for a 40-year horizon at about 3%, so this sheet uses × 33.
Every number is in today's rupees. At 5% inflation, ₹40,000 a month today is about ₹65,156 in 10 years and ₹1,06,132 in 20. Withdrawals rise with inflation; the × 33 already plans for it.
Sources
- · Samasthiti Advisors, safe withdrawal rate ready reckoner (Indian data), Sep 2025
- · 1994 withdrawal-rate research, via Business Standard, 29 Feb 2024 (US data)
- · Trinity study, AAII Journal, Feb 1998 (US data)
- · RBI inflation target 4% ± 2%
- · Aon pay increase survey 2026, via Telangana Today, Oct 2026 (expectation)
- · MoSPI, Comprehensive Modular Survey: Education 2025
- · WedMeGood Annual Wedding Industry Report 2025–26 (industry survey)
- · Everything else: Freedom Speedrun's assumptions and calculation
I'm not a SEBI-registered advisor. This is my personal experience, not financial advice. No stock or fund recommendations.
Start the run