Financial Calculators
Corpus Longevity Calculator
The retirement question that actually matters: at your spending, with inflation doing its work, when does the money run out?
Your corpus lasts about
21.5 years
- Months of income it provides
- 258
Withdrawals step up with inflation every year while the balance keeps earning; the simulation is exact month by month. Longevity is the risk to respect: plan for 30 years of retirement, not 15.
Longevity is the real risk
Retirement maths fails most often in one place: expenses rise with inflation every year while the corpus earns a steady, usually modest, return. A corpus that comfortably funds year one can quietly die in year twenty. This calculator raises the withdrawal annually with inflation and simulates the balance month by month, exactly.
Plan for a 30-year retirement, not 15. If the answer here is under 25 years, the fix is some combination of a larger corpus, a higher-earning allocation, or trimmed expenses, decided before retirement, not during it.
The drawdown simulation
Each month: balance = balance x (1 + return/12) - expense\nEach year: expense = expense x (1 + inflation)Worked example: a Rs 1.5 crore corpus supporting Rs 75,000 a month, with expenses rising 6% annually and the corpus earning 8%, lasts about 258 months, roughly 21.5 years.
Frequently asked questions
Is 21 years not enough?
For someone retiring at 60, it runs out at 81 while life expectancy for a healthy 60-year-old often exceeds 85. Prudent plans target 30 years; the gap is the work to do now.
What makes the corpus last dramatically longer?
Small changes compound: expenses 10% lower, returns 1% higher, or retiring two years later each add years of longevity. Try the sliders; the sensitivity is the lesson.
Why does the corpus die suddenly at the end?
Inflation-grown withdrawals eventually exceed the corpus's earnings, and the balance then falls at accelerating speed. The last five years consume what the first fifteen spared.
How does this differ from the SWP calculator?
The SWP calculator uses a fixed withdrawal; this one raises it with inflation, which is how real household expenses behave. Use this for planning truth, SWP for product design.
Make the money outlive the plan.
We stress-test retirement corpora against inflation, returns and long lives.