Money keeps compounding while you draw it down. If withdrawals are below the return, the corpus may grow; if they are higher, the schedule shows when it runs out.
Withdrawal plan snapshot
Balance after 25 years₹79.80 LCorpus remains at the end of the plan
Total withdrawn₹90.00 LOver 25 years
Sustainable withdrawal₹33,333 a monthEstimated monthly return; corpus untouched
Withdrawal rate7.20%At or below the return: corpus may grow
Withdrawals are taken at the beginning of each month; the remaining corpus compounds monthly.
Corpus over time
Year by year
| Year | Monthly withdrawal | Withdrawn this year | Withdrawn so far | Balance at year end |
|---|---|---|---|---|
| Year 1 | ₹30,000 | ₹3,60,000 | ₹3,60,000 | ₹50,39,010 |
| Year 2 | ₹30,000 | ₹3,60,000 | ₹7,20,000 | ₹50,81,257 |
| Year 3 | ₹30,000 | ₹3,60,000 | ₹10,80,000 | ₹51,27,011 |
| Year 4 | ₹30,000 | ₹3,60,000 | ₹14,40,000 | ₹51,76,563 |
| Year 5 | ₹30,000 | ₹3,60,000 | ₹18,00,000 | ₹52,30,227 |
| Year 6 | ₹30,000 | ₹3,60,000 | ₹21,60,000 | ₹52,88,346 |
| Year 7 | ₹30,000 | ₹3,60,000 | ₹25,20,000 | ₹53,51,288 |
| Year 8 | ₹30,000 | ₹3,60,000 | ₹28,80,000 | ₹54,19,455 |
| Year 9 | ₹30,000 | ₹3,60,000 | ₹32,40,000 | ₹54,93,279 |
| Year 10 | ₹30,000 | ₹3,60,000 | ₹36,00,000 | ₹55,73,231 |
| Year 11 | ₹30,000 | ₹3,60,000 | ₹39,60,000 | ₹56,59,819 |
| Year 12 | ₹30,000 | ₹3,60,000 | ₹43,20,000 | ₹57,53,593 |
| Year 13 | ₹30,000 | ₹3,60,000 | ₹46,80,000 | ₹58,55,151 |
| Year 14 | ₹30,000 | ₹3,60,000 | ₹50,40,000 | ₹59,65,137 |
| Year 15 | ₹30,000 | ₹3,60,000 | ₹54,00,000 | ₹60,84,253 |
| Year 16 | ₹30,000 | ₹3,60,000 | ₹57,60,000 | ₹62,13,255 |
| Year 17 | ₹30,000 | ₹3,60,000 | ₹61,20,000 | ₹63,52,965 |
| Year 18 | ₹30,000 | ₹3,60,000 | ₹64,80,000 | ₹65,04,270 |
| Year 19 | ₹30,000 | ₹3,60,000 | ₹68,40,000 | ₹66,68,133 |
| Year 20 | ₹30,000 | ₹3,60,000 | ₹72,00,000 | ₹68,45,597 |
| Year 21 | ₹30,000 | ₹3,60,000 | ₹75,60,000 | ₹70,37,791 |
| Year 22 | ₹30,000 | ₹3,60,000 | ₹79,20,000 | ₹72,45,936 |
| Year 23 | ₹30,000 | ₹3,60,000 | ₹82,80,000 | ₹74,71,357 |
| Year 24 | ₹30,000 | ₹3,60,000 | ₹86,40,000 | ₹77,15,489 |
| Year 25 | ₹30,000 | ₹3,60,000 | ₹90,00,000 | ₹79,79,883 |
Assumptions & formula
Each month: balance = (balance − withdrawal) × (1 + i), i = annual return ÷ 12. The withdrawal increases by the chosen rate every 12 months. Sustainable monthly withdrawal = corpus × i.- Withdrawals are taken at the start of each month; return is constant. A few bad early years can shorten the life of a corpus.
- Monthly compounding is used for the return. The withdrawal increase applies every 12 months.
- Capital-gains tax on withdrawals is not deducted.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.