Will My Money Last? Free retirement calculator · India · 2026
100% free No signup Works offline Updated May 2026

How long will your money last in retirement?

You already have a lumpsum saved. Enter how much you have, what you spend each month, and your age — and see exactly how many years it lasts and the age it runs out. Free, no signup. Built for India, with taxes, inflation and rising medical costs already included.

What it does

Starts from money you already have, and shows how many years it lasts and when it runs out.

What it isn’t

A “how much should I save?” tool. Still saving up? This answers the opposite question.

↓ Open the calculator Quick answer (60 sec) FAQ
Quick answer
Step 1

Calculator Playground

How much you’ve saved, what you spend each month, and your age — that’s enough to get an answer. Every field updates live. The ₹6 Crore example is only a demo; use your own figures.

The essentials

Important This unique appraoch helps in saving maximum money

Bank/FD 50% ₹3.00 Cr Stocks 50% ₹3.00 Cr

50% in bank or FD, 50% in stocks

How this approach works ₹6 Cr example walkthrough

Simple walkthrough showing where your monthly spending money comes from. The calculator uses your actual numbers; this is just the concept.

Assumption: 50/50 split — 50% in bank/FD (Pot 1) and 50% in stocks (Pot 2).

  1. Split your money into two pots. Take your total savings (say ₹6 Cr) and divide it equally: ₹3 Cr in Pot 1 (bank/FD) and ₹3 Cr in Pot 2 (stocks).
  2. Spend from Pot 1 first. Your monthly living expenses come from the interest and principal in Pot 1. This is your spending money—use it for rent, food, bills, everything.
  3. Let Pot 2 grow untouched. While you're spending from Pot 1, Pot 2 stays invested and keeps growing. You don't touch it yet.
  4. When Pot 1 runs out, refill it. Once you've used up Pot 1 completely, sell half of what's in Pot 2. Move that money into Pot 1 (back to bank/FD).
  5. Keep the other half in Pot 2. The remaining half stays invested in stocks, continuing to grow.
  6. Repeat the cycle. Start spending from the refilled Pot 1 again. When it runs out, sell half of Pot 2, move it to Pot 1, and continue. This way, you always have a safe pot to spend from while the other pot grows in the background.

The calculator runs this cycle year by year using your actual corpus, spending needs, and settings.

Fine-tune returns & rising prices

Also in every year of the simulation

What you spend & earn (in today's money)

Life events — major future expenses — a wedding, college, a big medical bill, a car, a trip. Amounts in today's money. Use ↑ ↓ to reorder.

Tax, you & family

How your interest is taxed pick one — the options below change

Your interest is added to your income and taxed at India’s current rates. Income up to ₹12 Lakh a year is tax-free, and people aged 60+ get an extra ₹50,000 break — nothing to set here.

%

A single rate applied to all your interest — handy for a quick check, or if you live outside India.

Age 60 or older extra tax breaks for seniors
Planning as a couple bigger senior-scheme limit
Use the free yearly tax-saver lowers future tax, no risk

Money for your family

Your answer

How long your money lasts — and the age it runs out

These numbers come straight from your inputs above. Everything updates live as you type.

Years your money lasts 50+ Years lasts the whole plan
Money runs out at age — when your savings hit zero
Money left at the end (today's value) ₹24 Cr what it's really worth today
When you start dipping into savings Year 4 spending passes your interest
Step 2

Year-by-year detail

The first 30 years of the plan you picked. A yellow row is a year you moved some money from the stock market back into safe savings. Blue-tinted amounts are years you dipped into your safe savings.

Year-by-year retirement plan breakdown
Year Age Spending/month Life event Spent this year Interest earned Tax After tax + pension Taken from savings Safe savings left Stocks left Total left % taken out Notes
Step 3 · the quiet danger

How your spending grows as prices rise

₹1 Lakh a month today won't stay ₹1 Lakh forever. Prices keep climbing, so the same lifestyle costs more every year. Here's what that looks like.

YearAgePer monthPer yearTotal price risevs first-year interest
Spending per month, year by year future rupees
Step 4

How your savings change over time

Your safe savings vs your stock-market money vs the total — shown both as actual rupees and as today's value. Hover over any point to see the exact number.

Step 5

Each year: money coming in vs going out

When the orange line (your spending) rises above the blue line (the interest you earn), you start dipping into your savings. Watch the gap grow.

Step 6

Compare the five plans side by side

Every plan uses your same numbers. The only difference is where the money sits and how it's taxed — and that alone can change how long your money lasts by a lot.

The five ways to use your retirement money, side by side — what they earn, how they're taxed, who can use them, and who they suit best (May 2026). Sources linked below.
Plan Roughly earns How it's taxed Who can use it / limit Can you get money out? Keeps up with rising prices? Best for
1. All in bank deposits (FD) 5.5–7.5% a year (May 2026) Interest taxed like normal income; bank deducts a bit upfront Anyone; no limit Any term from days to 10 years; small penalty for taking it out early Poorly People who hate risk; short plans; a baseline to compare against
2. Half safe, half stocks About 9–10% (mix of safe ~6.5% and stocks ~12%) Interest taxed like income; small tax on stock profits above ₹1.25 L a year Anyone; no limit Stocks: sell anytime. Deposits: small early-exit penalty Somewhat Anyone wanting a simple, balanced mix
3. Senior citizens' scheme 8.2% a year (early 2025-26) Interest taxed like income, with a ₹50,000 senior tax break; small tax on stock profits Only age 60+; up to ₹30 L each (₹60 L per couple) Locked 5 years (can extend 3 more); pays you every 3 months Somewhat People 60+ with about ₹2 Crore or more saved
4. Low-tax mutual funds Safe funds ~6–7%; stock funds ~12% Taxed like stocks (low), not like income — usually means less tax Anyone Sell any day (money reaches you in about 2 days) Well (over time) Higher earners with a big amount who want to cut their tax
5. Pension for life 5.5–7.5% (more if you're older when you buy) The monthly payout is taxed like normal income Anyone (bought from an insurance company) Locked for life; you usually can't take the lump sum back No (payout never rises) People who want maximum safety and zero decisions

Sources: FD rates per Business Standard / Stable Money May 2026 · SCSS 8.2% Q1 FY 25-26 per India Post · LTCG 12.5% with ₹1.25 L exemption per Finance Act 2024 · Section 87A / 80TTB per Income-tax Department, FY 2025-26 New Regime.

Years your money lastsacross the plan
Money left at the end (today's value)real worth
Plan Years it lasts Money left (actual ₹) Money left (today's value) Total tax paid Free tax-saver used Moves to safe
Step 7 · the luck test

What if the market gets lucky or unlucky?

Real markets go up and down in random ways, not in a smooth line. So this runs your plan 500 times, each with a different mix of good and bad market years (based on your stock-market growth and how wildly the market swings). It then tells you the chance your plan works out — instead of just one hopeful guess.

Chance your money is still there, year by year out of all 500 runs
Range of outcomes over time bad / middle / good case (today's value)
How the 500 runs turned out a long tail on the left = bad-luck years hurt
Step 8 · is your spending safe?

How much you take out each year

This is the share of your savings you pull out in a year. A long-trusted rule of thumb says taking out about 3–4% a year is safe; for India, closer to 3.5%. If you're regularly above 5–6%, the plan is on thin ice.

Step 9

Ways to make your money last longer

Eight simple changes that add up. Each one explains why it helps and shows a rough rupee value for your numbers. Several lower your tax with no extra risk — and can add years to how long your money lasts.

A suggested way to split ₹6 Cr

What it's forWhere to put itAmountRoughly earnsTaxShare
Step 10

Real-life things this tool can't show

A calculator assumes neat, steady years. Real life isn't neat. These are the things that often decide whether a good-looking plan actually holds up.

How it works

Three steps. No finance background needed.

The calculator above runs on three simple inputs. Here's the 30-second tour of how it turns them into your answer.

1

Type your numbers

How much money you have saved. How much you spend each month. How old you are. That's the bare minimum. Defaults illustrate a ₹6 Crore amount at age 30 with ₹1 Lakh/month expenses — change every number to match your real life.

2

(Optional) Add the details

How much your bank deposits and stock investments might grow each year, how fast prices rise, hospital costs, any pension or rent you'll receive, and big future costs (a wedding, a child's college, a car). Sensible Indian starting values are already filled in — change only what matters to you.

3

Read your answer

The "Money runs out at age" card shows the exact age your money runs out, and the "Money left at the end" card shows what's left in today's value. Above you'll also find simple charts, a side-by-side of the five plans, and a "what if the market misbehaves" check.

Who it's for

Find yourself in one of these

About to retire (age 55-65)

"Do I have enough to stop working?"

Find out if you can retire now — and what happens if prices rise faster than expected, your investments do worse than hoped, or your child's wedding costs ₹50 Lakh more than planned.

Want to retire early (age 25-45)

"Can I stop working 30 years early?"

Making your money last 50 years is much harder than 25. See the chance your savings survive market crashes, decades of rising prices, and life's surprises — not just a single rosy guess.

Got an inheritance

"What does this money really get me?"

Say you received ₹2 Crore from a parent or relative. The calculator turns that one number into something you can feel: how many years of spending it covers, what it's worth in 20 years, and the chance it runs out.

Advisors & accountants

"A quick second opinion for a client"

Type a client's numbers and walk through it live on screen. All five plans on the same numbers, with Indian taxes and senior-citizen benefits already worked out for you.

What this calculator helps you figure out

Six questions every retiree (and future-retiree) loses sleep over

If any of these keep you up at night, this tool was built for you. Each one has a clear answer in the calculator above.

Q1

Do I have enough to retire?

You've saved up a big amount — maybe from years of working, a retirement payout, money from selling something, or an inheritance. The big worry: is it actually enough? The calculator gives a clear yes or no — and tells you exactly how many years your money will last at your spending.

Q2

When will my money run out?

Not "roughly" — the exact year and exact age. If you start at 60 with ₹3 Crore and spend ₹80,000 a month, the answer might be "age 78". That's a real number you can plan around. The big "Money runs out at age" card at the top tells you right away.

Q3

How much can I safely spend each month?

Try ₹50,000, then ₹75,000, then ₹1 Lakh. Watch where it flips from "money lasts to age 90" to "money runs out at 75". That highest amount you're still comfortable with is your safe monthly spending. No more guessing.

Q4

Bank deposit, stocks, or something else — where should I keep my money?

Your bank says fixed deposit. A YouTuber says the stock market. Your accountant says the senior citizens' scheme. The insurance agent says buy a pension-for-life plan. This calculator tries all five ways with your own numbers and shows which one leaves you the most money — and which one is the safest.

Q5

What if prices shoot up? What if the market crashes?

Tap the "Bad times" button to see how your plan holds up when things go wrong. Further down, the "Luck test" runs your plan 500 times with random good and bad market years, then tells you the chance your plan survives — for example, "78 out of 100 times it works".

Q6

Can I afford a wedding, college, or a new car?

Major future life events drain your savings fast. Add a ₹40 Lakh wedding in year 8, ₹25 Lakh for college in year 12, and a ₹15 Lakh car in year 15 — the calculator takes them out in the right year and shows how much sooner your money runs out.

Money words, explained simply

Plain-language definitions

Finance words you might hear from your bank or accountant — each explained in one simple sentence. You don't need any of these to use the calculator.

Withdrawal Rate (WD rate)
The percentage of your remaining corpus you pull out each year to fund expenses. The classic safe withdrawal rate is 4% (Bengen 1994); for India with higher inflation, 3.5% is more realistic.
Corpus
The total pot of money you have. Nominal corpus is the rupee number on your statement; real corpus is the same money expressed in today's purchasing power after inflation.
FD (Fixed Deposit)
A bank/NBFC term deposit. Returns 5.5–7.5% in India (May 2026), fully taxable as "income from other sources" at your slab rate.
SCSS (Senior Citizen Savings Scheme)
Government-of-India scheme for ages 60+ paying 8.2% per annum (Q1 FY 25-26), max ₹30 L per individual (₹60 L per couple), quarterly payout, 5-year tenure extendable by 3 years. India Post source.
SWP (Systematic Withdrawal Plan)
A scheduled withdrawal from a mutual fund. You sell a fixed rupee amount of units each month; only the gains portion is taxed (LTCG 12.5% beyond ₹1.25 L for equity, slab rate for debt).
LTCG (Long-Term Capital Gains)
On equity held more than 1 year, tax is 12.5% with a ₹1.25 L annual exemption — changed from 10% / ₹1 L by Finance Act 2024 (Budget 2024).
Section 87A Rebate
Under FY 2025-26 New Regime, total income up to ₹12 L pays zero income tax thanks to this rebate, with marginal relief for amounts just above the ceiling.
Section 80TTB
Senior citizens (60+) can deduct up to ₹50,000 of interest income (FD, savings, post office) from taxable income each year.
FRSB (RBI Floating Rate Savings Bonds)
7-year tenure RBI bond. Rate floats with NSC + 35 bps (currently 8.05%, Jan–Jun 2026), interest paid semi-annually, fully taxable at slab rate.
Annuity (Lifetime)
You pay an insurer a lumpsum; they pay you a fixed monthly income for life (LIC Jeevan Akshay-style). Safe but inflexible — no inflation adjustment, money "dies" with you unless return-of-purchase option is taken.
Monte Carlo Simulation
Instead of using one "average" return, the calculator runs the same plan 500 times with random returns drawn from a bell curve — centred on your expected equity return, with spread set by equity volatility. The output is a probability your plan succeeds, not a single answer.
Sequence-of-Returns Risk
When you're withdrawing, the order of returns matters. A 30% crash in year 2 of retirement is far worse than the same crash in year 20, even when the long-run average is identical.
Retirement calculator
A tool that projects how long a lumpsum lasts given monthly spending, returns, inflation, and taxes. This one outputs runway in years, depletion age, real purchasing power at the end, and probability of success (Monte Carlo).
How much money do I need to retire in India? (rule of thumb)
At ~6% Indian inflation, a corpus of 25–30× annual expenses tends to last a 25–30 year retirement and 35–40× about 50 years (FIRE). At ₹1 L/month (₹12 L/year): roughly ₹3–3.6 Cr normal retirement, ₹4–5 Cr early retirement. This is just a yardstick — this tool works the other way round, taking a lumpsum you already have and telling you the exact number of years it lasts.
Healthcare inflation (India)
Indian healthcare costs rise at 12–14% per year — roughly twice the general consumer-price inflation of 5–6%. By year 20, your hospital bill at age 80 may be 12–15× current cost.
Real vs. Nominal returns
Nominal is the headline rupee number. Real is the same number after subtracting inflation, i.e. in today's purchasing power. ₹10 Cr in 30 years at 6% inflation has the purchasing power of only ₹1.74 Cr today.
FIRE (Financial Independence, Retire Early)
Saving and investing enough that work becomes optional — your corpus alone funds your lifestyle. FIRE = FI (Financially Independent) + RE (Retire Early). This calculator is a FIRE calculator too: set your age to 40 or 45 and a 50-year horizon to test an early retirement.
FIRE number
The corpus you need to stop working: annual expenses ÷ safe withdrawal rate. At a 4% rate that's 25× your yearly spending; at India-realistic 3–3.3% it's roughly 30×–33×. It is simply the reciprocal of your withdrawal rate.
Lean FIRE / Fat FIRE / Coast FIRE / Barista FIRE
Flavours of early retirement. Lean FIRE — frugal lifestyle, smaller corpus (~25×). Fat FIRE — premium lifestyle, larger corpus (~30–40×+). Coast FIRE — you saved enough early that compounding alone reaches your goal by 60, so you only cover today's costs. Barista FIRE — part-time income covers part of your spending, so you draw less from the corpus.
The 25× / 30× / 33× / 40× rule
A shortcut for your target corpus = a multiple of yearly expenses. 25× matches the 4% rule (US); for India's higher inflation, planners use 30× (3.3%) or 33× (3%), and 40× (2.5%) for ultra-safe or very long early retirements.
Accumulation vs. Decumulation
Accumulation is the working-years phase of building a corpus (via SIPs, EPF, NPS). Decumulation (drawdown) is the retirement phase of spending it down without running out. This tool models the decumulation phase.
Bucket strategy
Splitting your corpus by time horizon: Bucket 1 — 2–3 years of cash/FDs for immediate spending; Bucket 2 — medium-term debt/hybrid funds; Bucket 3 — equity for long-term growth. It avoids selling stocks during a crash, softening sequence-of-returns risk.
Asset allocation, equity glide path & rebalancing
Asset allocation is the split between equity and safer assets. An equity glide path changes that split with age (often more bonds as you age, sometimes the reverse in early retirement). Rebalancing is periodically selling winners and topping up the rest to restore your target mix.
Longevity risk
The risk of outliving your money. Because you can't know your lifespan, plans usually assume living to 85–90+. This calculator lets you set the horizon up to 60 years so you can stress-test a long life.
Replacement rate
The share of your pre-retirement income you need after retiring. A common rule of thumb is 70–80%, since some work-related costs fall — though in India rising healthcare costs can push it higher.
Emergency fund
6–12 months of essential expenses kept in cash or a liquid fund, separate from your retirement corpus, so a sudden bill never forces you to sell investments at a bad time.
CAGR (Compound Annual Growth Rate)
The smoothed yearly growth rate that takes an investment from its start to its end value as if it grew steadily each year. The Nifty 50's 20-year CAGR is roughly 11–12%.
XIRR (Extended Internal Rate of Return)
The annualised return when money goes in and out on irregular dates — the right way to measure the real return on a series of SIPs or staggered withdrawals.
Real rate of return
Your investment return minus inflation — what your money actually gains in buying power. A 9% return at 6% inflation is only a ~3% real return; this is the number that decides whether a corpus lasts.
NPS (National Pension System)
A low-cost, market-linked pension scheme (Tier I) regulated by PFRDA; you choose an equity/debt mix and it stays locked until 60. At 60 you can take up to 60% as a tax-free lump sum; at least 40% must buy an annuity (its income is taxed at your slab). Offers an extra ₹50,000 deduction under Section 80CCD(1B) (Old Regime). To use it here: add the lump sum to "Total savings" and the annuity to "Pension or rent you receive".
EPF / EPFO & EPS (Employees' Provident & Pension Fund)
A mandatory savings scheme for salaried employees: employee and employer each contribute 12% of basic + DA, earning about 8.25% p.a. (recent years) with EEE tax-free status. A slice of the employer's share funds EPS, a small lifelong pension. Your EPF balance at retirement is part of your starting corpus.
VPF (Voluntary Provident Fund)
An optional top-up to your EPF beyond the mandatory 12%, earning the same ~8.25% tax-free (EEE) rate. A popular low-risk way for salaried savers to boost the safe portion of their corpus.
PPF (Public Provident Fund)
A government-backed 15-year savings scheme paying 7.1% p.a. (Q-by-Q) with full EEE tax-free status, max ₹1.5 L/year, eligible for Section 80C. The classic safe, tax-free backbone of an Indian retirement corpus.
PMVVY (Pradhan Mantri Vaya Vandana Yojana)
A government-backed LIC pension scheme for seniors (60+) that paid a guaranteed income (~7.4%) for 10 years. It is closed to new subscribers since 31 March 2023; SCSS is now the main sovereign-backed senior option. Model any existing PMVVY payout under "Pension or rent you receive".
APY (Atal Pension Yojana)
A government scheme for the unorganised sector (join between ages 18–40) giving a guaranteed pension of ₹1,000–₹5,000 a month from age 60. Income-tax payers are no longer eligible to join (since Oct 2022).
POMIS (Post Office Monthly Income Scheme)
A 5-year Post Office scheme paying a fixed monthly income (~7.4%), capped at ₹9 L single / ₹15 L joint. Interest is taxable at slab. A simple, safe income source — add its payout to "Pension or rent you receive".
NSC (National Savings Certificate)
A 5-year government savings certificate paying about 7.7% p.a. (compounded, paid at maturity), eligible for Section 80C. Interest is taxable but counts toward the 80C limit as it accrues.
SGB (Sovereign Gold Bonds)
RBI-issued bonds that track the gold price and also pay 2.5% annual interest; capital gains are tax-free if held to maturity (8 years). A tax-efficient way to hold gold as a diversifier rather than a core retirement-income asset.
SIP & Step-up SIP
A Systematic Investment Plan invests a fixed amount in a mutual fund at regular intervals, averaging your buy price over time. A step-up (or top-up) SIP raises that amount each year — usually with your income — to build the corpus faster. (SIPs are an accumulation tool; this calculator begins after the corpus is built.)
EEE vs. EET (tax treatment)
How a product is taxed at three stages — contribution, growth, withdrawal. EEE (Exempt-Exempt-Exempt) means all three are tax-free — PPF, EPF and Sukanya Samriddhi. EET means the withdrawal is taxed — broadly how NPS works (the 40% annuity is taxed as income).
Section 80C & 80CCD(1B)
Section 80C lets you deduct up to ₹1.5 L of investments (PPF, EPF, ELSS, NSC, 5-yr FD, life insurance) from taxable income; 80CCD(1B) adds ₹50,000 just for NPS. Note: these deductions apply under the Old Regime only — the New Regime (this tool's default) removes most of them in exchange for lower slab rates.
STCG (Short-Term Capital Gains)
Tax on equity or equity funds sold within 1 year: now 20% (raised from 15% by Finance Act 2024). Holding past one year instead makes it long-term (LTCG at 12.5%), which is why retirees prefer to sell older units.
TDS (Tax Deducted at Source)
Tax the payer withholds before paying you — e.g. a bank deducts ~10% on FD interest above ₹40,000 (₹50,000 for seniors). You reclaim any excess when filing; seniors with no tax liability can submit Form 15H to stop it.
Indexation
Adjusting an asset's purchase cost up for inflation so you're taxed only on the real gain. Budget 2024 removed indexation for most assets (equity LTCG is now a flat 12.5% with no indexation), with limited grandfathering for older property.
Gratuity & Superannuation
Gratuity is a lump sum an employer pays after 5+ years of service (tax-free up to ₹20 L). Superannuation means reaching retirement age — and the employer pension fund that may pay out then. Both feed your opening corpus or pension income in this tool.
Frequently asked questions

Common questions

Answers to questions we hear most about retirement planning in India.

How long will my money last in retirement?

That's exactly what this calculator answers. It starts from the lumpsum you already have and does the year-by-year maths on three things — how much you've saved, how much you spend, and how long you live — to give you the exact number of years it lasts and the age it runs out.

A quick sanity check (with India's roughly 6% yearly price rise): a pot worth about 25–30 times your yearly spending tends to last a normal retirement, and 35–40 times an early one of around 50 years.

So if you spend ₹1 Lakh a month (₹12 Lakh a year): roughly ₹3–3.6 Crore lasts a normal retirement, ₹4–5 Crore an early one. Type your real numbers above for your exact answer.

When exactly will my money run out?

The tool gives you the exact year and exact age your money hits zero. Look at the "Money runs out at age" card near the top.

If it shows a number (say 78), that's the age your savings are expected to hit zero. If it says "Never", your money lasts the whole plan (50 years by default). The coloured summary box just below spells it out in plain words too.

How much can I safely spend each month?

A well-known rule says you can take out about 3.5–4% of your savings each year (rising a little with prices) and not run out for decades. For India, where prices rise faster, 3.5% is the safer number.

So ₹3 Crore safely supports roughly ₹10.5 Lakh a year — about ₹87,500 a month.

The easiest test: slowly raise the "Monthly living expenses" slider until "Money runs out at age" drops below the age you expect to live to. The highest amount you're still comfortable with is your safe monthly spend.

Is ₹1 crore enough to retire in India?

For most urban Indians today, ₹1 crore alone is usually not enough for a full retirement. At a safe 3.5% withdrawal rate it gives only about ₹29,000 a month in today's money, and with ~6% inflation (and ~12% medical inflation) it can run dry in roughly 15–20 years if you spend ₹50,000+ a month.

It can work in a smaller (Tier-2/Tier-3) town with a paid-off home, modest spending, and some pension or rent.

The honest answer depends on your spending — enter ₹1 crore and your monthly expense above to see the exact age it would run out.

How long will ₹1 crore or ₹2 crore last in retirement?

It depends on how much you withdraw. A sustainable rate is about 3.5% of your corpus a year (rising with inflation), which lasts 30+ years — that's roughly:

• ₹1 crore → about ₹29,000/month
• ₹2 crore → about ₹58,000/month
• ₹5 crore → about ₹1.46 lakh/month (all in today's money)

Spend more and it runs out sooner — ₹2 crore drawn at ₹1.5 lakh/month can deplete in about 12–15 years. Type your exact corpus and spending above for the precise year.

Will I run out of money in retirement?

It comes down to three things: how much you have, how much you spend, and how long you live. If you withdraw more than about 3.5% a year (rising with inflation), you risk running out; staying at or below that usually lasts 30+ years.

This calculator shows the exact age your money would run out, and runs your plan 500 times with random good and bad market years to give you the chance it lasts your whole retirement.

Can ₹2 crore give me ₹1 lakh a month for 20 years?

Roughly yes, but it's tight. At about 6% returns and 6% inflation, ₹2 crore drawn at ₹1 lakh/month (rising with prices) lasts around 18–22 years before major future expenses. Drawing ₹2 lakh/month would drain it in about 11 years.

Putting the first ₹30–60 lakh in the Senior Citizen Savings Scheme (8.2%) or keeping some money in equity makes it last longer. Enter ₹2 crore and ₹1 lakh above to see your exact result.

What does this calculator actually do?

It starts from a lumpsum you already have and works out how long it lasts as you spend it down — the opposite of a "how much should I save" tool. (The technical name for this is a retirement drawdown or decumulation calculator.) You type in your savings, how much you spend, and a few simple guesses (how fast your money grows, how fast prices rise, taxes). It then plays out your money year by year, for up to 60 years.

You get: how many years your money lasts, the exact age it runs out (if it does), how much is left at the end (in both future rupees and today's value), and the chance your plan works once random market ups and downs are added in.

It also compares five different ways to use your money — on the very same numbers — so you can see which works best for you.

Who is this for?

Anyone in India (or planning to retire in India) who has some savings and wants to know if it's enough. It's especially handy for:

• People close to retirement double-checking their plan
• People hoping to retire early
• Anyone who received an inheritance and wants to know what it really buys
• People who sold a business and wonder if they can stop working
• Advisers and accountants wanting a quick second opinion

The starting example is ₹6 Crore at age 30 spending ₹1 Lakh a month — but every number is yours to change.

How much can I take out each year without running out?

"How much you take out" is simply the share of your savings you pull out in a year. Take out too much, and you run out early.

A trusted rule of thumb says about 3–4% a year is safe and should last 30 years. For India, with prices rising faster, 3.5% is more realistic.

If you find yourself regularly above 5–6%, the plan is fragile — spend a bit less, or grow your savings before you retire.

What are the five plans, and which is best for me?

1. Half safe, half stocks — keep half in safe savings and half in the stock market. Live off the interest; when that runs low, sell some stocks to top up. Simple to follow.

2. Senior citizens' scheme — for age 60+. Put the first ₹30 Lakh (₹60 Lakh as a couple) in the government's senior scheme at 8.2%, the rest in safe savings and stocks. Higher, safer return — the best pick if you qualify.

3. Low-tax mutual funds — keep your "safe" money in special funds that are taxed like stocks (usually less tax than a bank deposit), and set up an automatic monthly payout. Great for higher earners with a big amount.

4. All in bank deposits — everything in fixed deposits. No market risk, but rising prices slowly eat what your money can buy. Mostly a baseline to compare against.

5. Pension for life — hand your money to an insurance company and get a fixed monthly income for life. Can't run out, but the amount never rises with prices and your money is locked in.

Which is best? For most people 60+ with ₹2 Crore or more, the senior citizens' scheme. For younger or higher earners, the low-tax funds. For total peace of mind with no decisions, the pension for life.

Why does it show "today's value"?

A rupee in the future buys less than a rupee today, because prices keep rising. So the tool shows two numbers: the actual rupees you'd see in the future, and what that money is really worth in today's terms.

Example: ₹10 Crore in 30 years sounds huge, but at 6% yearly price rise it only buys what ₹1.74 Crore buys today. The "today's value" number is the honest one to plan around.

Why run my plan 500 times? (the "luck test")

Instead of pretending the market grows by the same tidy amount every year, the tool plays out your plan 500 times, each with a different run of good and bad years.

The result isn't a single answer — it's a chance, like "works 78 times out of 100".

Why it matters: a market crash in the first couple of years of retirement hurts far more than the same crash 20 years later. A single average number hides that danger; the luck test brings it out into the open.

What taxes does it include?

India's current tax rules (2025-26) are built in. In short: income up to ₹12 Lakh a year pays no income tax thanks to a rebate, and there are extra breaks for people aged 60+.

Profits from the stock market are taxed at a low rate, with the first ₹1.25 Lakh each year tax-free.

Prefer to keep it simple, or live outside India? Switch "How your interest is taxed" to a single flat percentage you choose.

What is the "free yearly tax-saver", and should I keep it on?

In India, the first ₹1.25 Lakh of stock-market profit each year is tax-free — but only if you actually "use" it that year. The trick: each year, sell just enough stock to use up that free limit, then buy it straight back. You pay no tax, and you quietly lower the tax you'll owe when you finally sell for real.

Over 20–30 years this can save several lakhs in tax — with no extra risk and your investments effectively unchanged. That's why it's switched on by default. Turn it off to see the difference it makes.

(As a couple, the free limit doubles to ₹2.5 Lakh a year. There's a tiny cost in fees each time, but it's trivial next to the tax saved.)

Why are medical costs treated separately?

Hospital and medicine costs in India have risen about 12–14% a year — roughly double the rate of everyday prices. For retirees that's a big deal: a hospital bill at 80 could be 12–15 times today's cost.

Using one "rising prices" number for everything would badly understate this. So the tool grows your health-insurance cost at its own, faster rate — which is the honest thing to do.

How do life events and major future expenses work?

You can add big future expenses at the year you expect them — a child's wedding, college, a major medical bill, a new car, a big trip.

Enter each amount in today's money; the tool adjusts it for future prices automatically and takes it out of your savings in the right year.

Use the ↑ ↓ buttons just to reorder the list — the actual timing comes from the "year" you set, not the order.

Can I include my NPS, EPF, PPF and other retirement funds?

Yes. This is a drawdown (decumulation) calculator — it starts from the lumpsum you'll have on the day you retire, so fold your other pots into your inputs:

• Add the value of your EPF, PPF, NPS lump sum (at 60 you can take up to 60% of NPS tax-free), mutual funds, shares and FDs together into "Total savings".

• Anything that pays a fixed monthly amount — the NPS annuity (the compulsory 40%), a company or government pension, PMVVY, an Atal Pension Yojana payout, or rent — goes under "Pension or rent you receive".

Since PPF and EPF are tax-free (EEE), you can switch to the "Simple flat rate" tax mode at 0% if you want to model a fully tax-free pot precisely.

What is my FIRE number, and what is Lean, Fat, Coast and Barista FIRE?

Your FIRE number is the corpus that lets you stop working: annual expenses ÷ safe withdrawal rate. At 4% that's 25× your yearly spending; at India-realistic 3–3.3% it's about 30×–33×.

• Lean FIRE — a frugal lifestyle on a smaller corpus (~25×).
• Fat FIRE — a premium lifestyle on a larger corpus (~30–40×+).
• Coast FIRE — you've saved enough early that compounding alone reaches your target by 60, so you only cover today's expenses.
• Barista FIRE — part-time or freelance income covers part of your spending, so you withdraw less from your corpus.

Type your numbers above and adjust monthly spending (or add part-time income under "Pension or rent you receive") to test each style.

Is this financial advice?

No. It's a what-if tool built on simple assumptions. Real markets and real life are messier — a job loss, an emergency, or a change in tax rules can all matter.

Use it to understand the shape of your retirement: when the money runs out, how much rising prices hurt, how much adding some stocks helps. Don't use it to decide exactly where to put your money.

For decisions about your actual money, talk to a registered investment adviser or a qualified accountant.

Are my numbers saved between visits?

Yes. Your numbers are saved on your own device (in your browser), so they're still there next time. Clear them with the "Reset" button at the top, or through your browser's settings.

All the maths runs on your device — nothing you type is sent anywhere.

You can even save this page (Ctrl/Cmd+S) and use it fully offline.

Can I use this if I'm not in India?

The maths (growth, spending, rising prices, the luck test) works anywhere. Only the tax part is built specifically for India.

If you're elsewhere, switch "How your interest is taxed" to a flat percentage for your country, skip the India-only senior scheme, and just read ₹ as your own currency. Everything else applies.

About

About this calculator

Built for anyone in India (or planning to retire in India) who has some savings and wants a plain answer to one question: will my money last? Everything is worked out right on your phone or computer — no signup, no ads. This is not financial advice; for decisions about specific investments, talk to a registered adviser or an accountant.

Privacy

Your privacy

All the maths happens on your own device, inside your browser — nothing you type is sent anywhere. Your numbers are saved on your device so they're still there next time you visit. Clear them anytime with the Reset button at the top, or through your browser's settings.