Calculator
Retirement withdrawal planner
A flat withdrawal quietly buys less every year. This planner raises your income by inflation annually and shows how long the corpus lasts — in nominal rupees and in today's.
- Total withdrawn (nominal)₹3.25 Cr
- Balance at end₹0
- Same balance in today's rupees₹0
- Money lasts24y 10m ⚠
Hover for the yearly breakup. The dashed line is the same balance deflated to today's prices.
Withdrawals are paid at month-end and step up once a year by your inflation rate. Projection only — no live returns feed; every number is yours. Each withdrawal also sells units, so gains are taxed per the capital-gains rules.
What this calculator answers
₹1 crore paying ₹50,000 a month, growing 6% a year at a 9% return, lasts about 24 years 10 months before hitting zero — the same corpus with a flat ₹50,000 withdrawal (no step-up) would still hold about ₹5.6 crore after 30 years. That gap is what inflation does to a retirement income, and it is the whole point of this planner.
How it is calculated
The corpus grows at your return rate divided by 12 each month; at the end of each month the withdrawal is paid. At the start of every year after the first, the monthly withdrawal is raised by your inflation rate. The simulation runs month by month for the horizon you set and records the balance at each year-end, deflated to today's prices.
Returns are the annual percentage you enter, converted to a monthly rate by /12; there is no live returns feed. Withdrawals are paid at month-end after that month's growth. Taxes on redeemed gains are not modelled. No fund, scheme or annuity is assumed — every number is yours.
Common questions
How is this different from the SWP calculator?
The SWP calculator holds the withdrawal flat — it 'lasts longer' only because your real income falls every year. This planner raises the withdrawal by inflation annually, which is what a retirement income actually needs; the two tools agree on every convention (month-end withdrawals, monthly growth) so you can compare them directly.
Why does my corpus deplete sooner than other calculators said?
Because the income here keeps its buying power. A flat ₹50,000 becomes ₹90,000 of equal buying power in ten years at 6% inflation; this planner pays that, and the corpus pays for it. Calculators that hold withdrawals flat quietly assume you accept a shrinking income.
What return should I enter?
The return your actual mix might earn after costs — and run it twice: once optimistic, once pessimistic. A plan that only survives the good assumption is not a plan. The site publishes no return forecast; the number is yours to defend.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.