Enter a corpus and the monthly amount you want to draw from it, and this shows how long the money lasts once the remaining balance keeps earning returns and the withdrawal itself rises with inflation each year.
The calculation runs month by month: the remaining corpus grows at the monthly return rate, the withdrawal is subtracted, and every twelve months the withdrawal amount is increased by the inflation rate. It stops when the corpus is exhausted, or at 50 years, at which point the corpus is effectively self-sustaining.
The often-quoted 4% rule comes from US market history and a 30-year retirement. Indian inflation has generally run higher, so many planners here work with a more conservative 3–3.5% of the starting corpus, rising with inflation. Running your own numbers at several rates is more useful than any single rule.
Because a fixed rupee withdrawal buys less every year. Holding it constant would understate how quickly a corpus depletes in real terms, so the calculation raises the withdrawal annually by the inflation rate you enter.
If returns exceed what you are drawing, the corpus grows indefinitely and the calculator caps the projection at 50 years. That indicates the withdrawal is comfortably sustainable at the assumptions given.
This calculator is for information only and is not investment, tax, or financial advice. Figures are estimates based on the assumptions you enter and are not a guarantee of future returns. Consult a SEBI-registered adviser or a qualified tax professional before acting.