1. Find the real return
The calculator adjusts the expected nominal return for inflation using (1 + return) ÷ (1 + inflation) − 1.
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Estimate the first-year monthly income an existing corpus may support after accounting for inflation and your chosen income period.
Use a corpus available for income after setting aside near-term goals and emergency reserves.
| Retirement corpus | Monthly withdrawal | Including fixed income |
|---|---|---|
| ₹50,00,000 | ₹18,316 | ₹18,316 |
| ₹1,00,00,000 | ₹36,632 | ₹36,632 |
| ₹2,00,00,000 | ₹73,263 | ₹73,263 |
Illustration only, before tax, fees and irregular withdrawals. It assumes smooth annual returns and inflation, which real markets do not provide. Sequence risk, healthcare costs and longevity can materially change sustainable income. This is not a guarantee or product recommendation.
Calculation methodology
The calculator adjusts the expected nominal return for inflation using (1 + return) ÷ (1 + inflation) − 1.
It uses that real return to estimate a level purchasing-power withdrawal over the selected number of years.
Pension or other fixed monthly income is shown separately and added after the portfolio withdrawal is calculated.
This is a smooth-return illustration, not a safe-withdrawal guarantee. Actual portfolios experience uneven returns, taxes, fees and unexpected spending. A poor market sequence early in retirement can produce a different outcome even when the long-term average return is the same.
Test lower returns, higher inflation and a longer retirement. Then compare the result with essential expenses, healthcare reserves and income that continues for your spouse.