Test whether a starting corpus can support a fixed monthly withdrawal over the selected period.
You will not run out of money.
Total Withdrawn
Final Value Left
Calculation Note: Used standard Nominal Rate method (Monthly Interest = Annual Rate / 12). If using "Effective Rate" formula results may vary.
For each month, the calculator applies New balance = Previous balance × (1 + Annual return ÷ 12) − Monthly withdrawal. It repeats this until the selected period ends or the balance reaches zero.
Timing
Estimated monthly growth is applied before that month's withdrawal.
Withdrawals
The withdrawal stays fixed and is not increased for inflation.
Assumptions
Returns are constant; volatility, tax, fees, exit loads, and irregular withdrawals are excluded.
Starting with ₹50,00,000, withdrawing ₹45,000 monthly for 10 years, and assuming a constant 8% annual return estimates:
No. It only means the balance remains positive under the entered constant-return scenario. Actual market returns vary over time.
Losses early in retirement can hurt more when withdrawals are also reducing the corpus. This simplified model does not simulate return sequences.
No. The same rupee amount is withdrawn every month throughout the projection.
Connect the withdrawal estimate with retirement-corpus and inflation planning.