See exactly how long your money will last after retirement year by year
Your details
Expenses at retirement
per month
Corpus at retirement
total built
Your money lasts until
Monthly SIP invested
per month
Years to build corpus
at entered return rate
Year by year breakdown
| Age | Monthly expense | Interest earned | Annual withdrawal | Corpus remaining |
|---|
Target reached
SIP booster
Drag to increase your monthly SIP and see how much longer your money lasts.
Why this matters
Most financial mistakes are recoverable. A bad investment, a year of poor savings, an unnecessary loan these hurt but you can make up for them over time. Retirement is different. If you start too late or save too little, there is no second chance. You cannot go back and contribute the years you missed. The compounding that would have happened in your 30s cannot be recreated in your 50s regardless of how much you save then.
This is not meant to cause panic. It is meant to be honest. The earlier you understand the actual numbers, the more time you have to do something about them.
Ask anyone how much they need to retire and the most common answer is something like "around 1 crore" or "enough to get 50,000 a month from interest." Both of these are calculated in today's money. And that is the mistake.
If you are 30 years old today and plan to retire at 60, prices will have risen for 30 years. At 6% annual inflation, something that costs 100 rupees today will cost 574 rupees in 30 years. So the 50,000 rupees per month you need today becomes around 2.87 lakh per month at retirement just to maintain the exact same lifestyle. Most retirement plans in India are built without accounting for this properly.
The first is the accumulation phase. From today until retirement, your monthly SIP compounds at a high rate because you are invested in equity mutual funds. The second is the distribution phase. On retirement day you stop building and start withdrawing. The remaining corpus still earns returns but now at a lower rate because you shift to safer instruments.
Why two return rates matter: This calculator uses 12% for accumulation and 7% for distribution by default. Using the same 12% throughout overstates how long your corpus will last — a dangerous assumption to plan retirement around.
In year one of retirement you withdraw a certain amount. In year two you withdraw slightly more because of inflation. Each year you draw a larger rupee amount while the corpus is also getting smaller. The returns earned on a smaller corpus are lower in absolute terms. Eventually the withdrawals exceed the returns and the corpus starts declining steeply. This is exactly what the year by year table shows.
If your corpus runs short of your target age, the SIP booster slider lets you explore how much more you need to invest each month to close the gap. Because compounding works on the full accumulation period, even a small increase in monthly SIP today can extend your corpus by several years. The slider starts at your original SIP and goes up to three times that amount. The table updates instantly as you drag.