Shri Sai Praasad Services
AMFI-registered mutual fund distributor · ARN-82367 · EUIN E068029
How long will my corpus last?
Prepared 27 October 2026
Withdrawal plan
How long will my corpus last?
Draw a monthly income from a corpus and see when it runs out — or what is left if it does not.
Balance after 25 years
₹2,58,50,440
Lower than an equity assumption: a portfolio being drawn down usually sits mostly in debt.
- You start with
- ₹1.00 Cr
- Withdrawn in total
- ₹1.50 Cr
- Annual withdrawal
- 6.0% of corpus
- Still invested
- ₹2.59 Cr
At 8% a year, ₹50,000 a month leaves ₹2.59 Cr after 25 years. Withdrawing much beyond 6% of the corpus a year is where plans usually break. Withdrawals are taken at the end of each month and the balance is compounded monthly.
What this assumes
- Withdrawal taken
- End of each month
- Compounding
- Monthly on the balance left
- Withdrawal amount
- Flat, not indexed to inflation
- Returns
- Constant, as you set them
What it does not account for
- Inflation on the withdrawal itself. A flat income buys less every year — raise the amount to see the real cost.
- Capital gains tax on each redemption, which is deducted from what reaches you.
- Exit load, where units are sold inside the load period.
- Sequence of returns, which matters far more when withdrawing than when accumulating: a poor first decade can end a plan that the average return says should have survived.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Outputs here are illustrations based on the assumptions you set, not projections of any scheme’s performance.
This is an illustration of compound growth under the assumptions shown, not a projection, a forecast or a guarantee of any scheme’s performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
Shri Sai Praasad Services is the practice of two AMFI-registered mutual fund distributors — Hemant Shridhar Kulkarni (ARN-82367) and Hemangi Hemant Kulkarni (ARN-157202) — neither of whom is a SEBI-registered investment adviser. They earn commission from asset management companies on the schemes they distribute, do not charge a fee for distribution, and do not guarantee returns. Insurance is offered under a separate registration from the mutual fund distribution business.
+91 94049 52882 · kulkarnihemanta@gmail.com · shrisaipraasad.example.com
A number is not a plan.
The calculator tells you the size of the gap. Closing it takes a scheme selection, an allocation and a review schedule.