Kalculate

Retirement Withdrawal Calculator for India

See how long your corpus will last and how much you can safely withdraw each month — with inflation-growing withdrawals (a smarter SWP) and an optional 3-bucket strategy. Private by design: no signup, nothing stored.

Inflation-protected withdrawals

Your corpus

₹1 Cr
₹50k
Withdrawal strategy

Simple applies one flat rate (8%) to your whole corpus. 3-bucket uses real asset-class returns — safe money for near-term spending, equity (10%) for the long bucket, sold only after it has gained. Both end up assuming roughly the same equity exposure, so this is a like-for-like comparison. Buckets come out modestly ahead on average — and considerably ahead if markets fall early.

The verdict
Runs out at age 77
₹1 Cr can't sustain ₹50,000/month (in 2026 money) growing with inflation until 90. Lower the spend, or see the safe number →
The corpus runs out at age 77.

Withdrawals grow every year — general spending at 6%, the medical 15% at 10% — while the remaining corpus earns 8%. Never a flat number.

Simple vs 3-bucket, on your numbers

Same corpus, same spending, same horizon — the only thing that changes is how the money is held and which pot you sell from.

In average markets
Simple
runs out at 77
3-bucket
runs out at 78
If markets fall 10%/yr for the first 3 years
Simple
runs out at 70
3-bucket
runs out at 74
Simple, through the crash3-bucket, through the same crash
Through a 3-year market fall starting at retirement, the simple strategy runs out at 70 and the 3-bucket strategy runs out at 74.

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How the withdrawal calculator works

  1. Enter your corpus and spending in today's money, plus the ages withdrawals start and end.
  2. We simulate every year — each year's withdrawal rises with inflation (general 6%, medical 10%) while the rest of the corpus keeps earning a return.
  3. Get the verdict — the age your money lasts to, or the safe monthly amount you can draw, with a year-by-year schedule in both nominal and today's-money terms.
  4. Compare the two strategies — the calculator runs your corpus through a market crash under both, side by side. New to it? Read the 3-bucket strategy explainer.
  5. Don't have a corpus yet? Switch to “What corpus do I need?” and we solve for it from your target spending instead.

Frequently asked questions

How long will my retirement corpus last?▾
Enter your corpus, your monthly spending in today's money, and the age you'll plan to, and the calculator simulates each year — growing withdrawals with inflation while the remaining corpus earns a return — to show the exact age your money runs out (or that it lasts the full horizon).
How much can I safely withdraw each month?▾
Switch to 'How much can I draw?' and set your horizon; the calculator solves for the highest starting monthly withdrawal that lasts your whole plan, rising with inflation each year. In India, sustainable rates are typically lower than the US 4% rule (closer to 3–3.5%) because inflation is higher.
Is this an SWP (Systematic Withdrawal Plan) calculator?▾
Yes — but an inflation-aware one. Unlike most SWP calculators that assume a flat monthly withdrawal, this grows your withdrawal every year (general spending at 6%, medical at 10%) so your purchasing power holds through retirement.
What is the 3-bucket withdrawal strategy?▾
It splits your corpus by when you'll spend it: a short-term bucket (0–3 years, safe), medium (4–8 years, ~25% equity), and long-term (9+ years, ~50% equity). You spend from the safe bucket and only refill from equity after good years — so a market crash can't force you to sell at a loss. Kalculate shows the allocation and the year-by-year moves.
How much corpus do I need for a given monthly income?▾
Switch to ‘What corpus do I need?’, enter the monthly spending you want in today’s money and the age it should start, and the calculator solves for the corpus — shown both as the amount you’ll need on day one of withdrawals and the smaller amount you’d need invested today to grow into it.
I retire in a few years — can I enter today's corpus?▾
Yes. Enter what you have today and the age withdrawals begin; the calculator grows the corpus to that age at an editable rate before the drawdown starts.
Is the 3-bucket strategy actually better than a simple withdrawal?▾

Modestly better on average, and considerably better when markets misbehave early.

On smooth average returns, the two are closer than you might expect. Simple applies one flat rate (8% by default) to your whole corpus. 3-bucket uses real asset-class returns instead — debt for near-term spending, equity for the long bucket — which at the default 10% equity works out to a corpus-weighted 7.6%, slightly below Simple's 8%. Buckets still come out ahead (about 6% more sustainable monthly spending on a ₹1 crore corpus) because of the order money is spent: withdrawals drain the safe, low-return bucket first while the equity bucket compounds untouched for a decade or more.

The two are now also comparable on risk. An 8% flat return at 10% equity and 6.5% debt implies roughly 43% equity — which is almost exactly what the bucket portfolio holds (42–48%). So this is a like-for-like comparison, not one strategy quietly taking more risk than the other.

The real case for buckets is sequencing. A crash in your first few years of retirement is what actually ends retirements, because a simple portfolio has to sell into the fall to fund that year's spending. Buckets spend from cash and skip the equity harvest until markets recover. See the crash test in the calculator, or the full explainer.