Retirement
Retirement Income Calculator
Turn a corpus into a sustainable monthly income figure.
Last updated 14 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Your corpus
Assumptions
Set to your inflation assumption to keep purchasing power roughly constant.
Sustainable monthly income
₹42,873/month
The starting monthly withdrawal from ₹1 Cr that lands at zero exactly 25 years from now, rising 6.0% a year, earning 8.0% on the balance.
Withdrawal rate
5.14%
If income never increases
₹74,936
A flat withdrawal can start higher, but loses purchasing power every year
Final monthly income
₹1,84,007
In nominal rupees, at the end of the period
Corpus over the period
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Corpus to income, solved directly
Given a corpus and a number of years it needs to last, this calculator finds the exact starting monthly withdrawal that depletes the corpus to zero in the final month — using the same month-by-month simulation engine as our SWP calculator, just solved in the opposite direction.
The increase you choose changes everything
Set the annual increase to your inflation assumption and the income roughly keeps pace with rising prices, at the cost of a lower starting figure. Leave it at zero and you can start higher, but the real value of that income falls every year. There is no free choice here — only a trade-off worth seeing quantified.
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Frequently asked questions
How is this different from the SWP calculator?
The SWP calculator starts from a withdrawal amount and asks how long it lasts. This one starts from a corpus and a time horizon and solves for the withdrawal amount that lands exactly at zero at the end — the mirror question, answered directly rather than by trial and error.
Why does letting income grow reduce the starting amount?
A withdrawal that increases every year draws more in total over the period, so the starting figure has to be lower for the corpus to last the same number of years. The trade-off is real: a flat income can start higher but buys less every year that passes.
What withdrawal rate does the result imply?
The results panel shows it directly — the sustainable monthly income times 12, divided by the corpus. Compare it against the ranges in our withdrawal rate calculator to see how sensitive it is to the return assumption.