Decision Library
Will My Retirement Corpus Actually Last?
A large-sounding corpus can run out faster than expected once inflation-adjusted withdrawals and real returns are actually modeled month by month, rather than assumed.
Run the Numbers
Calculate Your Own Scenario
Your corpus lasts
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Total withdrawn before it runs out
₹0
How Long It Lasts at Different Returns
Post-retirement returns are never guaranteed — here's the corpus's life 2 points below and above your input.
| Scenario | Return | Corpus lasts |
|---|
Scenarios
How This Usually Plays Out
- A withdrawal rate close to your expected return — the corpus can last indefinitely, since growth roughly keeps pace with withdrawals.
- A withdrawal rate meaningfully above your expected return — the corpus draws down faster each year as inflation raises your withdrawal amount.
Risks & Exceptions
When the Normal Advice Doesn't Apply
- Assumes a constant annual return — sequence-of-returns risk (a bad market early in retirement) can deplete a corpus faster than an average-return model suggests.
Decision Framework
How to Actually Decide
- Run your actual corpus and planned withdrawal through the calculator above.
- If it doesn't comfortably outlast your expected retirement length, adjust the withdrawal amount or the retirement age, not just hope for higher returns.
- Revisit the numbers periodically — don't set a withdrawal plan once and never check it again.
This page is for educational purposes only and does not constitute financial advice. Figures are illustrative and vary based on your individual circumstances, lender policies, and market conditions. Always consult a certified financial advisor before making major financial decisions.