How long will ₹1 crore last in retirement?

At ₹40,000/month withdrawal with 8% return and 6% inflation, ₹1 Cr lasts approximately 25 years. Use this planner to model your specific scenario.

What is the 4% rule for retirement in India?

The 4% rule suggests withdrawing 4% of your corpus annually. For India's higher inflation (6-7%), experts recommend 3-3.5% for a sustainable 30+ year retirement.

How to prevent corpus depletion in retirement?

Keep 2-3 years expenses in liquid assets, invest 60-70% in equities for growth, and use an inflation-stepping withdrawal strategy — increase withdrawals by inflation each year.

Pension Corpus Withdrawal PlannerFY 2026-27

Model how long your retirement corpus will last across monthly withdrawal rates, inflation, and return assumptions.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.