Retirement
Retirement Withdrawal Calculator
How long a corpus lasts at a given withdrawal rate.
Your figures
Corpus survives the full period
30.0 yrs
- Initial withdrawal rate
- 4.00%
- Total withdrawn
- ₹9,48,69,823
- Balance at the end
- ₹28,19,308
- Withdrawal the real return alone supports
- ₹23,585
Drawing only the inflation-adjusted growth leaves the corpus intact in real terms.
Drawdown by year
| Year | Withdrawn | Growth | Balance |
|---|---|---|---|
| 1 | ₹12,00,000 | ₹21,22,215 | ₹3,09,22,215 |
| 2 | ₹12,72,000 | ₹21,86,093 | ₹3,18,36,308 |
| 3 | ₹13,48,320 | ₹22,49,216 | ₹3,27,37,203 |
| 4 | ₹14,29,219 | ₹23,11,208 | ₹3,36,19,192 |
| 5 | ₹15,14,972 | ₹23,71,645 | ₹3,44,75,864 |
| 6 | ₹16,05,871 | ₹24,30,052 | ₹3,53,00,046 |
| 7 | ₹17,02,223 | ₹24,85,900 | ₹3,60,83,722 |
| 8 | ₹18,04,356 | ₹25,38,595 | ₹3,68,17,961 |
| 9 | ₹19,12,618 | ₹25,87,479 | ₹3,74,92,823 |
| 10 | ₹20,27,375 | ₹26,31,819 | ₹3,80,97,268 |
| 11 | ₹21,49,017 | ₹26,70,802 | ₹3,86,19,053 |
| 12 | ₹22,77,958 | ₹27,03,527 | ₹3,90,44,622 |
How this is calculated
Monthly: balance = (balance − withdrawal) × (1 + r ÷ 12); withdrawal rises by the inflation rate each year.
The counterpart to corpus planning: given what you have, how much can be drawn, and for how long. Withdrawals are indexed to inflation, which is what makes the answer realistic.
Assumptions used
- General inflation6%
- Post-retirement return7%
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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