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Retirement Monthly Income Calculator

Estimate your sustainable monthly income during retirement

Personal Details
Savings & Contributions
₹
₹
Rate Assumptions
%
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Quick Scenarios
Conservative
Moderate
Aggressive
Retirement Income Projection
Monthly Retirement Income Sustainable

₹45,250

Approx. ₹45,250 per month
Retirement Corpus
Withdrawal
Total Corpus at Retirement:₹12,50,000
Annual Withdrawal Rate:4.8%
Years in Retirement:25 yrs
Real Rate of Return (after inflation):2.0%
Lifetime Withdrawals:₹1,35,75,000
Income Under Different Scenarios
Conservative
₹32k
Moderate
₹45k
Aggressive
₹62k
Retirement Insight

Your corpus may last through age 90 with 90% probability.

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Use the search bar above to quickly find the calculator you need.

4% Rule Tip

A common guideline: withdraw 4% of your corpus in the first year, then adjust for inflation.

About Retirement Income Calculator

Future Value Projection

Calculates your corpus at retirement using current savings and monthly contributions.

Sustainable Withdrawal

Estimates monthly income you can withdraw throughout retirement.

How It Works

We compute the future value of your current savings and monthly contributions until retirement. Then we calculate the monthly payout using the annuity formula, assuming your corpus continues to earn the "during retirement" return.

Monthly Income = Corpus × (r/12) / (1 - (1+r/12)^(-n)) where r = return during retirement, n = months in retirement.

FAQs

What is a safe withdrawal rate?
Many experts suggest 4% initially, adjusted for inflation, to make savings last 30 years.
How does inflation affect income?
Inflation reduces purchasing power. We show real return (return after inflation).
Should I include Social Security?
This calculator focuses on personal savings. Add other income sources separately.

Complete Guide to Retirement Income Planning

Retirement planning is one of the most important financial decisions in life. This Retirement Monthly Income Calculator helps you estimate how much income you can generate from your retirement savings.

Why Retirement Planning is Important

Key Factors That Affect Retirement Income

Understanding the 4% Rule

A common retirement planning guideline suggests withdrawing 4% of your total corpus in the first year of retirement, then adjusting withdrawals annually for inflation. However, actual withdrawal rates should consider market performance and personal risk tolerance.

Who Should Use This Calculator?

This calculator is for educational purposes only and does not constitute financial advice. Consult a certified financial planner for personalized guidance.