How it works
Each month the withdrawal is taken first, then the remaining balance grows at the expected return. If withdrawals are more than the growth, the balance shrinks, and the calculator shows when it runs out.
Example
₹10 lakh at 8% a year with ₹5,000 a month withdrawn for 10 years: yearly withdrawals of ₹60,000 are less than the ~₹80,000 of growth, so the balance ends above ₹10 lakh.
Tips
- Keep withdrawals at or below the expected return if you want the capital to last indefinitely.
- Use a lower, conservative return for retirement income.
- Inflation raises your needs every year, so review the withdrawal annually.