By Many people assume retirement savings slowly disappear over time. But what happens to your money when investment returns outpace your yearly withdrawals?
The math changes when you balance long-term equity growth with income-generating assets. If a ₹1 crore corpus targets a 12% average annual return, while you withdraw 6% initially and adjust only for 5% inflation, the funds may outlive your retirement horizon.
This estimator tests that exact framework. Input your starting corpus, expected market returns, and living expenses to map the year-by-year trajectory of your savings.
Below the calculator, you will also find a tested portfolio allocation model—blending index funds, InvITs, REITs, and bonds—designed to generate steady cash flow without forcing you to sell assets during market downturns. Test your numbers today to build a mathematically sound retirement strategy.
