Retirement
One More Year Calculator
Extra contributions, extra growth, and one fewer year of withdrawals — the combined effect of delaying retirement, quantified.
Last updated 21 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Right now
If you keep working
Assumptions
Used to inflate your expense forward to whenever you actually retire.
What 1 more year of work is worth
+₹26.1 L
From ₹1.5 Cr today to ₹1.76 Cr at the delayed retirement date — growth on the existing corpus plus a year of fresh contributions, compounding.
Retire now
Corpus at retirement
₹1.5 Cr
Sustainable withdrawal
₹60,619/mo
Corpus runs out after
18 yr 2 mo
Retire in 1 year
Corpus at retirement
₹1.76 Cr
Sustainable withdrawal
₹72,539/mo
+₹11,920/mo more than retiring now
Corpus runs out after
20 yr 10 mo
Three effects stack on top of each other here: the extra year of contributions, one more year of growth on the corpus you already have, and one fewer year the corpus has to fund withdrawals for — since the planning end age does not move. The combined effect on what you can safely spend every month is usually larger than any one of the three looks on its own.
Extra sustainable income, per month
₹11,920/mo
Extra corpus remaining at the end
₹0
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The most underrated lever in retirement planning
People weigh a delayed retirement almost entirely against the cost — another year at a job they are ready to leave. What rarely gets quantified is the other side: how much that year is actually worth to the plan, once contributions, growth and a shorter drawdown period are all added together rather than considered one at a time.
Three effects, one number
This tool runs the same corpus through our SWP engine twice — once starting today, once starting after the delay you choose — and reports the difference in what you can sustainably spend every month for the rest of your plan. That single number is usually a more persuasive input to the decision than any of the three underlying effects viewed in isolation.
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Frequently asked questions
Why does one extra year matter so much?
Because three effects compound at once, not one. Working longer adds a year of fresh contributions, gives your existing corpus one more year of growth before you start drawing on it, and shortens the withdrawal period by a year since your planning end age does not move. None of these three alone looks dramatic — together, they usually are.
Is this the same as the 4% rule?
No. The 4% rule is a static rule of thumb about a withdrawal rate. This calculator runs your actual numbers — corpus, contributions, return, and a real withdrawal schedule — through the same month-by-month simulation as our SWP calculator, both for retiring now and for retiring later, so you see the effect of delay on your specific plan rather than a generic guideline.
Does this account for one fewer year of retirement, or does it ignore that?
It accounts for it directly. The planning end age is fixed, so retiring a year later means the corpus only has to fund the withdrawal period from that later date to the same end age — one year shorter than if you retired today. That shortened drawdown period is one of the three effects driving the result.
What if I don't want to keep contributing while working the extra year?
Set the monthly investment field to zero. The calculator will still show the benefit from a year of growth on your existing corpus and a year less of withdrawals, just without the contribution effect layered on top.