Project remaining investment balance, cumulative withdrawals, and corpus sustainability over time.
| Year | Monthly Payout | Annual Payout | Cumulative Withdrawn | Ending Corpus |
|---|---|---|---|---|
| Year 1 | ₹50,000 | ₹6,00,000 | ₹6,00,000 | ₹1,03,07,999 |
| Year 2 | ₹50,000 | ₹6,00,000 | ₹12,00,000 | ₹1,06,44,891 |
| Year 3 | ₹50,000 | ₹6,00,000 | ₹18,00,000 | ₹1,10,13,386 |
| Year 4 | ₹50,000 | ₹6,00,000 | ₹24,00,000 | ₹1,14,16,448 |
| Year 5 | ₹50,000 | ₹6,00,000 | ₹30,00,000 | ₹1,18,57,319 |
| Year 6 | ₹50,000 | ₹6,00,000 | ₹36,00,000 | ₹1,23,39,548 |
| Year 7 | ₹50,000 | ₹6,00,000 | ₹42,00,000 | ₹1,28,67,013 |
| Year 8 | ₹50,000 | ₹6,00,000 | ₹48,00,000 | ₹1,34,43,958 |
| Year 9 | ₹50,000 | ₹6,00,000 | ₹54,00,000 | ₹1,40,75,024 |
| Year 10 | ₹50,000 | ₹6,00,000 | ₹60,00,000 | ₹1,47,65,289 |
| Year 11 | ₹50,000 | ₹6,00,000 | ₹66,00,000 | ₹1,55,20,305 |
| Year 12 | ₹50,000 | ₹6,00,000 | ₹72,00,000 | ₹1,63,46,147 |
| Year 13 | ₹50,000 | ₹6,00,000 | ₹78,00,000 | ₹1,72,49,459 |
| Year 14 | ₹50,000 | ₹6,00,000 | ₹84,00,000 | ₹1,82,37,508 |
| Year 15 | ₹50,000 | ₹6,00,000 | ₹90,00,000 | ₹1,93,18,242 |
| Year 16 | ₹50,000 | ₹6,00,000 | ₹96,00,000 | ₹2,05,00,357 |
| Year 17 | ₹50,000 | ₹6,00,000 | ₹1,02,00,000 | ₹2,17,93,362 |
| Year 18 | ₹50,000 | ₹6,00,000 | ₹1,08,00,000 | ₹2,32,07,660 |
| Year 19 | ₹50,000 | ₹6,00,000 | ₹1,14,00,000 | ₹2,47,54,629 |
| Year 20 | ₹50,000 | ₹6,00,000 | ₹1,20,00,000 | ₹2,64,46,714 |
Rounding: Monthly simulation deducts withdrawal at start of month and compounds remainder at r/12.
A retiree withdraws ₹50,000/month (6% initial withdrawal rate) from a ₹1 Crore balanced portfolio earning 9% p.a.
Increasing withdrawals by 5%–6% annually to match inflation causes payouts to grow exponentially over time, which can deplete a corpus that would otherwise grow under fixed withdrawals.
Test whether your retirement or mutual fund corpus can sustain your monthly cashflow needs while the remaining balance continues to compound. Whether you are researching systematic withdrawal plan, retirement withdrawal calculator, corpus depletion calculator, monthly pension from corpus, this interactive tool helps you simulate monthly income withdrawals from an investment corpus, with optional annual inflation adjustments, and see whether the corpus lasts through retirement.
As you adjust Starting Investment Corpus, Starting Monthly Withdrawal, Expected Annual Return on Corpus, Withdrawal Horizon, the calculator immediately computes Ending Corpus Balance (₹), Total Cumulative Cash Withdrawn (₹), Initial Annual Withdrawal Rate (%), Depletion Status / Year-by-Year Schedule and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.
In our benchmark scenario (₹1,00,00,000 (₹1 Cr) Corpus with ₹50,000/Month SWP at 9% p.a. for 20 Years), Total cash withdrawn is ₹1.20 Cr with ₹2.69 Cr remaining after 20 years. Keep in mind that withdrawals occur at the start of each month; remaining balance earns r/12 for that month. For related calculations in Finance & Investing, explore SIP Calculator (Systematic Investment Plan), CAGR & FIRE Calculator (Financial Independence), PPF Calculator (Public Provident Fund), EPF Calculator (Employees Provident Fund).