Retirement Corpus How Long Will Last
For those already retired: see how your corpus changes each year with returns, income and expenses
Retirement Corpus (Rs. lakhs)
Starting corpus at each age. Corpus can go negative when depleted.
Annual Cash Flows
| Age | Starting Corpus | Annual Expenses | Annual Income | Investment Returns | Corpus Addition / (Depletion) | Ending Corpus |
|---|---|---|---|---|---|---|
| 60 | 500 | 24 | 5 | 40 | 21 | 521 |
| 61 | 521 | 25.7 | 5.3 | 41.7 | 21.3 | 542.3 |
| 62 | 542.3 | 27.5 | 5.5 | 43.4 | 21.4 | 563.7 |
| 63 | 563.7 | 29.4 | 5.8 | 45.1 | 21.5 | 585.1 |
| 64 | 585.1 | 31.5 | 6.1 | 46.8 | 21.4 | 606.6 |
| 65 | 606.6 | 33.7 | 6.4 | 48.5 | 21.2 | 627.8 |
| 66 | 627.8 | 36 | 6.7 | 50.2 | 20.9 | 648.7 |
| 67 | 648.7 | 38.5 | 7 | 51.9 | 20.4 | 669.1 |
| 68 | 669.1 | 41.2 | 7.4 | 53.5 | 19.7 | 688.8 |
| 69 | 688.8 | 44.1 | 7.8 | 55.1 | 18.7 | 707.5 |
| 70 | 707.5 | 47.2 | 8.1 | 56.6 | 17.5 | 725.1 |
| 71 | 725.1 | 50.5 | 8.6 | 58 | 16 | 741.1 |
| 72 | 741.1 | 54.1 | 9 | 59.3 | 14.2 | 755.3 |
| 73 | 755.3 | 57.8 | 9.4 | 60.4 | 12 | 767.4 |
| 74 | 767.4 | 61.9 | 9.9 | 61.4 | 9.4 | 776.8 |
| 75 | 776.8 | 66.2 | 10.4 | 62.1 | 6.3 | 783.1 |
| 76 | 783.1 | 70.9 | 10.9 | 62.6 | 2.7 | 785.8 |
| 77 | 785.8 | 75.8 | 11.5 | 62.9 | (1.5) | 784.3 |
| 78 | 784.3 | 81.1 | 12 | 62.7 | (6.3) | 778 |
| 79 | 778 | 86.8 | 12.6 | 62.2 | (11.9) | 766 |
| 80 | 766 | 92.9 | 13.3 | 61.3 | (18.3) | 747.7 |
| 81 | 747.7 | 99.4 | 13.9 | 59.8 | (25.6) | 722.1 |
| 82 | 722.1 | 106.3 | 14.6 | 57.8 | (33.9) | 688.1 |
| 83 | 688.1 | 113.8 | 15.4 | 55.1 | (43.4) | 644.8 |
| 84 | 644.8 | 121.7 | 16.1 | 51.6 | (54) | 590.8 |
| 85 | 590.8 | 130.3 | 16.9 | 47.3 | (66.1) | 524.7 |
| 86 | 524.7 | 139.4 | 17.8 | 42 | (79.6) | 445.1 |
| 87 | 445.1 | 149.1 | 18.7 | 35.6 | (94.9) | 350.2 |
| 88 | 350.2 | 159.6 | 19.6 | 28 | (112) | 238.3 |
| 89 | 238.3 | 170.7 | 20.6 | 19.1 | (131.1) | 107.1 |
| 90 | 107.1 | 182.7 | 21.6 | 8.6 | (152.5) | -45.4 |
All figures in Rs. lakhs. Ending Corpus = Starting Corpus − Annual Expenses + Annual Income + Investment Returns. Corpus Addition/(Depletion) = Ending − Starting.
About this calculator
Retirement Corpus (how long will it last) • Fin Plan
If you’re already retired, the key question is whether your existing corpus can sustain your expenses over time.
This calculator projects your corpus year-by-year based on investment returns, other income, and inflation on expenses/income.
How to use
- Enter current age, plan-till age, starting retirement corpus, and annual income/expenses (₹ lakhs).
- Adjust return and inflation rates to test conservative vs optimistic scenarios.
- Use the corpus-by-age chart to identify if/when the corpus is depleted.
Key assumptions
- Assumes constant rates for return and inflation; actual returns and inflation vary year to year.
- Does not model sequence-of-returns risk beyond the constant-rate assumption.
