How long a corpus survives a systematic withdrawal plan. This is the amortisation formula in reverse, and the sustainable withdrawal (the one that never touches principal) is shown alongside.
Also called: systematic withdrawal plan calculator, monthly withdrawal from mutual fund.
Corpus remaining at the end
₹69,63,401
The corpus survives the full 20 years with 6963401 left over. A withdrawal of 33333 a month would never touch the principal at all.
Total withdrawn
₹72,00,000
Months the corpus lasts
240
Withdrawal that would last indefinitely
₹33,333
Outcome
The corpus survives the full 20 years with 6963401 left over. A withdrawal of 33333 a month would never touch the principal at all.
This is what the calculation gives for the numbers you entered. It is an estimate, not advice, and it knows nothing about your situation beyond those numbers. Rules for India change on a published schedule; the effective date is shown on every rule-based tool.
How this is calculated
The same balance recursion as a loan, with the sign flipped: the corpus grows by returns and falls by withdrawals. If the withdrawal is below the monthly return on the corpus, the balance grows forever and the plan is perpetual. Above it, the corpus depletes on a schedule the tool computes exactly.
Each of these is asserted on every build. If a change to the engine ever moved one of these answers, the build would fail before the page could print it.
50L at 8% withdrawing 30k lasts the full 20 years
Starting corpus
₹50,00,000
Monthly withdrawal
₹30,000
Expected return (per year)
8%
For how many years
20
Corpus remaining at the end₹69,63,401
engine recursion; the withdrawal is below the 33,333 monthly return
The return you enter is assumed to hold, unchanged, for the whole period. No market does this.
Returns are compounded at the stated frequency with no taxes, fees or exit loads deducted.
What it deliberately does not model
Assumes a constant return. Sequence-of-returns risk is the dominant danger in a withdrawal plan and a constant rate cannot show it: a poor first five years can exhaust a corpus that the average return says was sufficient.