"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Estimate a sustainable monthly withdrawal from a lump-sum investment.
Vikram has ₹80 lakh at retirement and expects 7% returns over 20 years. The calculator estimates a sustainable withdrawal of about ₹62,000 a month. If he needs ₹80,000 instead, he would need a corpus closer to ₹1.03 crore for the same period.
Uses a monthly return assumption and a fixed monthly withdrawal. It does not include taxes, fees, inflation in withdrawals, or market volatility.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
This answers: "If I have ₹X today, how much can I safely withdraw monthly for Y years?" It is the reverse of the SIP calculator. Use it for retirement income planning, legacy planning, or evaluating annuity offers. The key insight: sustainable withdrawal rates are lower than most people assume — 3–4% of corpus annually is a common safe range for 25–30 year horizons.
Assuming the withdrawal amount is guaranteed — it depends on returns. Not inflation-indexing the withdrawal — purchasing power erodes. Withdrawing from a single asset class — diversification across equity, debt, gold, and cash buckets extends corpus life. Ignoring taxes — SWP from equity funds (LTCG 12.5% >₹1.25L) is more tax-efficient than interest income (slab rate).
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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