Retirement withdrawal (SWP) calculator
Find how much you can withdraw monthly or yearly to fully use up your retirement corpus by a target age.
Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.
with a corpus of ₹50,00,000 earning 7% annually from age 60 to 85, you could withdraw about ₹35,339 a month for 25 years. Work out how large a corpus you will actually need first
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."
Frequently asked questions
Does this withdrawal amount adjust for inflation?
No — this calculates a level, fixed rupee amount for every withdrawal, so its real purchasing power falls over time as prices rise. If you want the amount you withdraw to keep pace with rising costs, you would need to plan for a step-up withdrawal instead, which this calculator does not model.
Why doesn’t the monthly withdrawal × 12 equal the annual withdrawal figure?
They are two separate, independently-sized withdrawal schedules — one assumes you withdraw once a month, the other once a year — each calculated to exactly deplete the same corpus by your target age on its own schedule, so they naturally come out slightly different.
What is a safe withdrawal rate for retirement?
A commonly cited rule of thumb is withdrawing around 4% of your corpus in the first year, then adjusting for inflation each year after — but that is a general guideline, not a guarantee, and depends heavily on your actual investment returns and how long your money needs to last. This calculator instead computes the exact withdrawal that would deplete your corpus by a specific target age, which is a different (and more precise, if your assumptions hold) approach.
Common questions answered
- How much monthly income can a small ₹10 lakh corpus provide?
- How much can I withdraw if I expect to live to 95 with a ₹60 lakh corpus?
- How much monthly income from a ₹35 lakh corpus over 20 years?
- How much monthly income can a ₹20 lakh corpus give for just 15 years?
- What withdrawal fully uses a ₹50 lakh corpus from 55 to 80?
- How much monthly income can a ₹1 crore corpus generate from 58 to 90?
- Can I retire at 45 with a ₹1.5 crore corpus at 9% return?