How long will money last?
Explore how long a corpus can support withdrawals.
Estimated withdrawal runway
Month 131 exhausts the corpus; its final payout can be partial.
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Explore how long an investment balance can support regular withdrawals that rise each year. The model stops when the corpus can no longer fund the scheduled payout.
The final payout may be partial. “Beyond 100 years” only means the model has not exhausted the balance within its simulation horizon.
A worked example.
Using this calculator’s default inputs, estimated withdrawal runway is 10 yr 10 mo + final payout. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Investment amount | ₹30,00,000 |
|---|---|
| Initial monthly withdrawal | ₹25,000 |
| Assumed nominal annual return | 6 % |
| Annual withdrawal increase | 5 % |
A common mistake to avoid
Treating a constant-return runway as a guarantee of lifetime income.
Questions you might have.
Do withdrawal increases happen monthly?
No. The initial monthly withdrawal is increased after each block of 12 months.
Are market drawdowns modelled?
No. The return is constant. Real sequence-of-returns risk, taxes and irregular expenses can shorten the runway.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Grow the balance monthly, withdraw at month-end and increase the withdrawal after each 12 months. Stop when a full withdrawal cannot be funded.
Assumptions & things to know
Up to 100 years simulated. “Beyond 100 years” does not imply indefinite safety. Fixed returns omit market volatility and sequence risk. No tax, fees or irregular expenses.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.