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
Different return assumptions, not just different mechanics: Simple applies one flat rate (8%) to your whole corpus. 3-bucket keeps most of it invested in equity long-term (12%), only touched when it has gained — a small yearly edge that compounds into a much bigger gap the longer your horizon and the lower your withdrawal rate.
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 →
Withdrawals grow every year — general spending at 6%, the medical 15% at 10% — while the remaining corpus earns 8%. Never a flat number.
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How the withdrawal calculator works
- Enter your corpus and spendingin today's money, plus the ages withdrawals start and end.
- 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.
- 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.
- Try the 3-bucket strategy to see a crash-resistant way to structure and draw down the corpus.
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.
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.
Why does the 3-bucket strategy end with a much bigger corpus than Simple?▾
Because the two strategies assume different returns, not just different withdrawal mechanics. 'Simple' applies one flat, conservative rate (8% by default) to your entire corpus every year. '3-bucket' assumes real asset-class returns instead — cash/debt for near-term spending, but the long-term portion (often the majority of your corpus) stays invested in equity (12% by default) and is rarely touched, only refilling the nearer buckets after good years. A 1-4 percentage point return edge sounds small, but compounded over a multi-decade retirement — especially when your withdrawal rate is well below the return rate, so the corpus keeps growing instead of shrinking — it produces a dramatically larger ending balance. This is the standard math of compounding over long horizons, not a bug or a bucket-strategy trick.