"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Estimate how long a portfolio may last while you withdraw regularly.
Meena retires with ₹1.2 crore and withdraws ₹80,000 a month, expecting 8% returns over 25 years. The estimate leaves about ₹1.2 crore remaining, so the corpus survives. Raising the withdrawal to ₹90,000 leaves only about ₹25 lakh, and ₹1,00,000 a month exhausts the corpus entirely.
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.
Systematic Withdrawal Plans (SWP) are the most tax-efficient way to draw income from mutual funds in retirement. Only the gain portion of each withdrawal is taxed (capital gains), not the principal. This calculator helps you stress-test: will ₹50,000/month from a ₹1 crore corpus last 20 years at 8% return? (Answer: ~17 years). It reveals the gap between hope and math so you can plan corpus size or withdrawal rate realistically.
Setting withdrawal rate too high (>6%) — corpus depletes in 12–15 years. Not adjusting withdrawals for inflation — fixed ₹50,000 becomes ₹27,000 purchasing power in 10 years at 6% inflation. Withdrawing from equity funds in a bear market — sequence of returns risk devastates corpus. Better: keep 2–3 years of withdrawals in liquid/debt funds, refill annually.
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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