About this calculator
It also shows the higher fixed monthly income possible if you accept that its buying power will fall over time.
How to use it
- Enter your retirement savings.
- Enter how many years they must last.
- Enter the return and inflation.
The formula
- g
- inflation
- r
- return on savings
- n
- years the money must last
Worked example
₹2 crore, lasting 25 years, 7% return, 6% inflation
- First-year income: ₹74,447 a month, rising 6% a year.
- By year 25 it is ₹3,01,432 a month.
- A fixed income with no rises could be ₹1,40,536 a month, but would buy far less in later years.
What the result means
If the income looks too low, plan to work longer, save more, or use a pension or rent to cover part of your expenses.
Assumptions
- Constant return and inflation; withdrawals at the start of each year.
Limitations
- Market falls early in retirement can shorten how long savings last.
- Tax is not included.
Frequently asked questions
How much monthly income will ₹1 crore give?
Over 25 years at 7% return and 6% inflation, about ₹37,000 a month rising each year.
Should my income rise with inflation?
Yes, if you want it to keep its buying power; otherwise expenses will outgrow it.
How is this different from the retirement calculator?
That one finds the corpus you need; this one finds the income a corpus can give.
For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.
Last reviewed on 1 October 2026. Found a mistake? Tell us.