Estimate how much monthly income you may withdraw from ₹1 crore, ₹2 crore, ₹5 crore or any retirement corpus — and how long your money may last.
A crore sounds large until you start converting it into monthly expenses. The real question is not only how much income you can withdraw, but how long the money needs to support you.
Enter your corpus, expected return, withdrawal amount, and duration to see whether your money may last comfortably.
Your withdrawal picture
Comfort today, safety tomorrow
Projection
Starting corpus₹0Amount enteredEstimated monthly income₹0Before estimated taxCorpus survival status—Selected durationCorpus left at end₹0After selected durationTotal withdrawn₹0Gross withdrawals in the projectionTotal estimated growth₹0Before tax and product costsBuying power in final year₹0Today's value of monthly incomeEducational withdrawal range₹0–₹03% to 6% annually; not advice
How long will my corpus last?
Follow the balance through time
TodayYear 25Year 25
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Read the result calmly
What this means for you
Suggested withdrawal-rate comparison
These figures simply convert your starting corpus into annual withdrawal rates. They do not guarantee that the money will last.
Year-wise corpus projection
Opening balance, withdrawals, estimated growth and closing balance.
Year
Opening corpus
Withdrawn
Estimated growth
Closing corpus
This calculator is for educational planning only. Returns, inflation, tax, market performance, interest rates, and withdrawal sustainability can vary. The result should not be treated as retirement, investment, tax, or financial advice.
Last updated: June 2026
How much monthly income can ₹1 crore generate?
For a ₹1 crore corpus, a 3% annual withdrawal is about ₹25,000 a month; 4% is about ₹33,333; 5% is about ₹41,667; and 6% is about ₹50,000. Higher withdrawal gives more comfort today, but it also reduces the margin available for weak returns, inflation, medical costs and a longer life.
If you are asking “how much monthly income can I get from 1 crore?”, treat this as a starting range rather than a promise. Interest on ₹1 crore per month is not fixed unless a product contract fixes it, and even then reinvestment, tax and inflation matter.
Monthly income from ₹2 crore
At the same withdrawal rates, ₹2 crore produces twice the starting income: roughly ₹50,000 a month at 3%, ₹66,667 at 4%, ₹83,333 at 5%, and ₹1,00,000 at 6%. The monthly income from ₹2 crore in India can support very different lifestyles depending on housing, city, dependants and healthcare.
Annual withdrawal rate
₹1 crore corpus
₹2 crore corpus
Planning meaning
3%
₹25,000/month
₹50,000/month
Lower starting draw
4%
₹33,333/month
₹66,667/month
Needs regular review
5%
₹41,667/month
₹83,333/month
Higher depletion pressure
6%
₹50,000/month
₹1,00,000/month
Less room for setbacks
Fixed withdrawal vs inflation-adjusted withdrawal
Fixed withdrawal
Gentler on the corpus, harder on buying power
The rupee income stays the same. Over time, groceries, travel and medical expenses may rise while the withdrawal does not.
Inflation-adjusted withdrawal
Better lifestyle protection, heavier corpus pressure
The monthly amount rises once a year. This can protect purchasing power, but the larger withdrawals may drain the corpus faster.
For a retired family, the same ₹50,000 withdrawal can feel safe or risky depending on inflation, medical expenses, and how much corpus remains.
Formula and projection method used
This calculator uses a month-by-month projection rather than assuming the corpus grows in one smooth annual step. Every month it first estimates growth on the balance available, then deducts that month's withdrawal.
1
Monthly return rate
Monthly rate = Annual return rate ÷ 12 ÷ 100
An 8% annual assumption becomes a monthly rate of about 0.6667%. This is an estimate, not a guaranteed monthly return.
2
Monthly corpus update
Growth = Opening corpus × Monthly rateClosing corpus = Opening corpus + Growth − Monthly withdrawal
The next month starts with the previous month's closing corpus. The projection stops when the balance reaches zero.
This is only a simple income illustration. Actual tax depends on the investment product, gains, holding period and current rules.
5
Purchasing power of income
Today's value = Future monthly income ÷ (1 + Inflation rate)Years
This translates the later withdrawal into today's buying power. A fixed ₹50,000 may feel much smaller after many years of inflation.
6
Educational withdrawal-rate range
Monthly income = Starting corpus × Annual withdrawal rate ÷ 12
The calculator compares 3%, 4%, 5% and 6%. These are reference points only—not safe-withdrawal guarantees or advice.
Total withdrawn is the sum of actual monthly withdrawals. Total estimated growth is the sum of the monthly growth amounts credited in the projection. If the remaining balance is smaller than the requested withdrawal, the calculator withdraws only the available balance and records when the corpus reaches zero.
Can I retire with ₹1 crore?
There is no honest universal yes or no. ₹1 crore may be enough for a household with modest expenses, an owned home, strong health cover and other income. It may be inadequate for a larger family, expensive city, high rent, overseas goals or major medical needs. A retirement monthly income calculator India estimate is useful only when the expense assumption is personal.
This corpus to monthly income calculator helps test “how long will ₹1 crore last with monthly withdrawal?” under steady-return assumptions. Real markets do not deliver steady returns, so leave room for bad years and review the plan regularly.
Monthly income from FD vs SWP
An FD usually offers a stated interest rate for its term, while monthly income from a mutual fund corpus through an SWP is market-linked and can include both gains and capital. Taxes, liquidity, rate changes and risk differ. This passive income calculator India page does not recommend one over the other.
Common mistakes while converting corpus into monthly income
Assuming the interest or market return is guaranteed.
Ignoring inflation and the gradual loss of purchasing power.
Withdrawing too much in the early years.
Forgetting medical expenses and healthcare inflation.
Ignoring tax and product costs.
Not keeping emergency money separate.
Treating a retirement corpus like a normal savings account.
A 3% to 6% annual withdrawal equals roughly ₹25,000 to ₹50,000 per month before tax. Whether it lasts depends on the full plan.
How much monthly income can I get from ₹2 crore?
The same range is roughly ₹50,000 to ₹1,00,000 per month before tax.
Is ₹1 crore enough for retirement in India?
It depends on expenses, housing, city, health, family, other income, inflation and retirement duration.
What is a safe monthly withdrawal from a retirement corpus?
No rate is universally safe. Compare several rates and stress-test lower returns and higher costs.
How long will ₹1 crore last if I withdraw ₹50,000 per month?
Enter the return, inflation mode and duration above. Fixed and rising withdrawals can produce very different outcomes.
Should I choose fixed withdrawal or inflation-adjusted withdrawal?
Fixed income loses buying power; inflation-adjusted income draws more. The right trade-off depends on other income and flexibility.
Is monthly income from corpus guaranteed?
No. This is a projection, not a guaranteed income calculator.
What return rate should I assume?
Use a cautious assumption suited to the underlying investments and test a lower rate too.
Does tax affect monthly income from corpus?
Yes. The calculator's tax field is only a simplified post-tax income view; actual rules vary.
What is the difference between this and an SWP calculator?
This calculator begins with household monthly income and corpus-size comparisons. The SWP Calculator focuses on a systematic withdrawal plan.
Trust note
This calculator is for educational planning only. Returns, inflation, tax, market performance, interest rates, and withdrawal sustainability can vary. The result should not be treated as retirement, investment, tax, or financial advice.