How to Use the Drawdown Calculator
Enter corpus, monthly withdrawal, annual return, and inflation rate. The calculator shows how long your money lasts with inflation eating into purchasing power each month.
Drawdown Calculator Formula
Balance_month = Balance_prev × (1+r) − withdrawal × (1+inf/12)^monthExample Calculation
₹1 crore corpus, ₹50,000/month, 8% return, 6% inflation:
Real return = (1.08/1.06) − 1 ≈ 1.89%
Corpus lasts approximately 18 years 4 months; 4% rule sustainable: ₹33,333/month
Frequently Asked Questions
What withdrawal rate is sustainable?
The "4% rule" suggests withdrawing 4% of corpus annually (adjusted for inflation each year) is sustainable for 30 years. For Indian markets with higher inflation, 3–3.5% is more conservative.