How much can I withdraw if I expect to live to 95 with a ₹60 lakh corpus?
A ₹60 lakh corpus from age 60 to 95 (35 years) at 7% return supports a withdrawal of about ₹38,331 per month, or ₹4,63,404 per year — planning for a longer lifespan means a smaller monthly amount for the same corpus.
How this is calculated
This is the mathematical reverse of a loan EMI: instead of paying down a debt at a fixed rate, you are drawing down a corpus that keeps earning interest between withdrawals, sized so it reaches exactly ₹0 by your target age. The monthly and annual figures are calculated as two separate withdrawal schedules — they will not simply relate by ×12, since each is independently sized to fully deplete the same corpus on its own schedule.
Important: this is a level, non-inflation-adjusted withdrawal
The withdrawal amount shown stays flat in rupee terms for the whole period — it does not increase with inflation, so its real purchasing power will fall over time. It also assumes a constant annual return, which real investments will not deliver in a straight line year to year. Treat this as a starting-point estimate, not a guarantee.
What does "corpus" mean?
Corpus just means the total pot of savings you’re drawing an income from — a term used often in Indian retirement planning, but it simply means "your savings."