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What Does This Calculator Do?

This retirement and savings calculator projects how long your accumulated funds or lump sum nest egg will sustain you based on your lifestyle needs. By factoring in your current balance, regular withdrawal amounts, and the expected investment growth rate, it maps out the exact depletion timeline of your principal amount so you can plan your financial future with absolute clarity.

What is the Impact of Inflation?

Inflation silently reduces your purchasing power over time, meaning the money you withdraw today won't buy the same amount of goods in the future. For example, a fixed monthly withdrawal of ₹50,000 might cover all your expenses now, but in 15 to 20 years, inflation will significantly lower its value. Adjusting your retirement withdrawals to outpace inflation is vital for long-term survival.

How Long Will It Take to Deplete Your Funds?

The time it takes to completely exhaust your money depends entirely on your withdrawal frequency and your interest earnings. Withdrawing ₹40,000 per month from a static fund of ₹20,00,000 with zero interest will completely deplete it in exactly 50 months. However, keeping that same amount in an account earning a 6% annual return stretches your fund's life to roughly 59 months, giving you nearly an extra year of safety.