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Finance Calculators

Retirement Withdrawal Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
Verified formula Private

Annual withdrawal

₹4,00,000

Monthly withdrawal
₹33,333

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Retirement Withdrawal Calculator

The Retirement Withdrawal Calculator works out your annual withdrawal, along with 1 related figure in an instant. Enter retirement corpus and safe withdrawal rate and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the retirement corpus.
  2. Enter the safe withdrawal rate.
  3. Read off your annual withdrawal, together with monthly withdrawal — the calculator updates automatically, with no button to press.

Formula

The Retirement Withdrawal Calculator uses the formula:

Annual withdrawal = Retirement corpus × Safe withdrawal rate ÷ 100

Worked example

For example, with retirement corpus of ₹10,000,000 and safe withdrawal rate of 4%, the annual withdrawal is ₹4,00,000.

Inputs used
Retirement corpus ₹10,000,000
Safe withdrawal rate 4%
Results
Annual withdrawal ₹4,00,000
Monthly withdrawal ₹33,333

Results are estimates for educational use, not professional advice.

Frequently asked questions

Apply a safe withdrawal rate to your corpus. At 4% on 1,00,00,000, you can withdraw about 4,00,000 a year, or 33,333 a month.

It suggests withdrawing about 4% of your starting corpus in the first year, then adjusting for inflation, with a low chance of running out over 30 years.

For early or very long retirements, a more conservative 3–3.5% gives a larger safety margin against poor markets.

It gives the first-year figure. In practice, increase withdrawals with inflation so your spending power holds over time.

The Retirement Withdrawal Calculator uses the formula: Annual withdrawal = Retirement corpus × Safe withdrawal rate ÷ 100. For example, with retirement corpus of ₹10,000,000 and safe withdrawal rate of 4%, the annual withdrawal is ₹4,00,000.

Enter the retirement corpus. Enter the safe withdrawal rate. Read off your annual withdrawal, together with monthly withdrawal — the calculator updates automatically, with no button to press.

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