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Retirement Planning · After Retirement

Retirement Money Lifespan Planner

See how long your retirement corpus lasts when you withdraw a monthly amount that rises with inflation, the age it may run out, and the largest monthly withdrawal it can sustain until your planning age.

Also listed inFinance & Investment

Your inputs

Quick start — try a typical case

₹ 3 crore

years
years

₹ 1 lakh

Your result Live

Your Money Lasts

Beyond age 85

About ₹2,72,12,159 still left at 85

Sustainable Monthly Withdrawal to Age 85
₹1,18,825
Initial Withdrawal Rate
4.0% a year
Total Withdrawn
₹6,58,37,414
Balance at 85
₹2,72,12,159
Corpus balance by age

Your corpus outlasts your planning age under these assumptions.

An estimate from the assumptions you entered, not a guaranteed outcome.

How this is calculated

Each month: Balance = Balance × (1 + r/12) − Withdrawal; every 12 months Withdrawal × (1 + g)

r
Return on the corpus
g
Yearly increase in the withdrawal (inflation)

The planner simulates your corpus month by month: it earns its return, then your withdrawal is taken out, and the withdrawal rises once a year. It reports when — if ever — the balance reaches zero, and solves for the largest starting withdrawal that lasts exactly until your planning age.

Assumptions & sources

  • Withdrawals at the end of each month; returns credited monthly at the annual rate ÷ 12.
  • Returns and inflation are constant averages — real markets vary year to year, and a bad sequence early in retirement matters most.
  • Taxes on withdrawals and investment gains are not deducted.
  1. 1CFA Program Curriculum — Private Wealth Management: retirement planning and the time value of money — CFA Institute
  2. 2Retirement planning investor education — PFRDA — Pension Fund Regulatory and Development Authority
  3. 3Determining Withdrawal Rates Using Historical Data (Bengen, 1994) — Journal of Financial Planning

Calculator ID FIN-RETPLAN-LIFESPAN-001 · version 2.0.0

Common questions

Is there a 'safe' withdrawal rate?

Rules of thumb like 4 % come from US market history over 30 years. Your safe rate depends on your returns, inflation and how long the money must last — which is why this planner solves for it with your own assumptions.

Should the yearly increase equal inflation?

To keep your lifestyle constant, yes. A lower increase makes the money last longer, but your spending power falls each year.