Monthly income planner
Corpus for a monthly income, stress-tested against bad markets.
What do you know?
50 thousand
₹
%
%
How long?
yrs
1Corpus required
Corpus required
₹65,21,414
drains to zero after 25 years
Monthly income (fixed)
₹50,000
stays the same every month
Lasts
25 yrs
Real value in year 25
₹11,650
what it buys, in today's money
Corpus solved so a fixed monthly withdrawal (never escalated) drains it to exactly zero after the chosen years, at the expected return.
2Stress-test it
The withdrawal is the same in every scenario. Only the order of good and bad years changes. Does the plan survive a bad run?
Normal₹0
Flat 8%/yr, every year
balance at year 25
CrashRuns out in Y12
Y1 -30%, then 8% (base) after
before the 25-year mark
- Reduce withdrawal to ₹34,640/mo (31% lower), with the same return sequence.
- Or the remaining years would need to average 13.5%/yr, keeping ₹50,000/mo.
- Or pause withdrawals for 4 yrs 2 mo once returns normalise, then resume the full ₹50,000/mo.
Prolonged downturnRuns out in Y12
Y1 -20%, Y2 -10%, Y3 +5%, Y4 +10%, Y5 +15%, Y6 +10%, then 8% (base) after
before the 25-year mark
- Reduce withdrawal to ₹34,181/mo (32% lower), with the same return sequence.
- Or the remaining years would need to average 23.5%/yr, keeping ₹50,000/mo.
- Or pause withdrawals for 7 yrs 4 mo once returns normalise, then resume the full ₹50,000/mo.
Strong market₹80,11,716
Y1 +12%, Y2 +15%, Y3 +10%, Y4 +8%, Y5 +12%, Y6 +10%, then 8% (base) after
balance at year 25
3Check in with actual results
Once real time has passed, enter the actual corpus and how far into the plan you are.
₹
yrs
4What inflation does to this income
₹50,000/month stays exactly ₹50,000 every year. It never rises. At 6% inflation its buying power still shrinks: by year 25 it buys what ₹11,650/month buys today. That is a 77% loss in buying power.
Year 5, worth today
₹37,363/mo
vs ₹50,000 on paper
Year 10, worth today
₹27,920/mo
vs ₹50,000 on paper
Year 15, worth today
₹20,863/mo
vs ₹50,000 on paper
Year 20, worth today
₹15,590/mo
vs ₹50,000 on paper
Year 25, worth today
₹11,650/mo
vs ₹50,000 on paper
Balance over time
The dashed line is the withdrawal, which never changes. The red line shows what it's worth in today's money.
Corpus balanceYearly withdrawal (fixed)Withdrawal in today's money
Year by year
| Year | Status | Balance | Withdrawal (fixed) | In today's money |
|---|---|---|---|---|
| Y1 | On track | ₹64,36,042 | ₹6,00,000 | ₹5,66,038 |
| Y2 | On track | ₹63,43,584 | ₹6,00,000 | ₹5,33,998 |
| Y3 | On track | ₹62,43,452 | ₹6,00,000 | ₹5,03,772 |
| Y4 | On track | ₹61,35,010 | ₹6,00,000 | ₹4,75,256 |
| Y5 | On track | ₹60,17,566 | ₹6,00,000 | ₹4,48,355 |
| Y6 | On track | ₹58,90,375 | ₹6,00,000 | ₹4,22,976 |
| Y7 | On track | ₹57,52,627 | ₹6,00,000 | ₹3,99,034 |
| Y8 | On track | ₹56,03,446 | ₹6,00,000 | ₹3,76,447 |
| Y9 | On track | ₹54,41,883 | ₹6,00,000 | ₹3,55,139 |
| Y10 | On track | ₹52,66,910 | ₹6,00,000 | ₹3,35,037 |
| Y11 | On track | ₹50,77,414 | ₹6,00,000 | ₹3,16,073 |
| Y12 | On track | ₹48,72,191 | ₹6,00,000 | ₹2,98,182 |
| Y13 | On track | ₹46,49,934 | ₹6,00,000 | ₹2,81,303 |
| Y14 | On track | ₹44,09,230 | ₹6,00,000 | ₹2,65,381 |
| Y15 | On track | ₹41,48,548 | ₹6,00,000 | ₹2,50,359 |
| Y16 | On track | ₹38,66,229 | ₹6,00,000 | ₹2,36,188 |
| Y17 | On track | ₹35,60,478 | ₹6,00,000 | ₹2,22,819 |
| Y18 | On track | ₹32,29,349 | ₹6,00,000 | ₹2,10,206 |
| Y19 | On track | ₹28,70,738 | ₹6,00,000 | ₹1,98,308 |
| Y20 | On track | ₹24,82,361 | ₹6,00,000 | ₹1,87,083 |
| Y21 | On track | ₹20,61,750 | ₹6,00,000 | ₹1,76,493 |
| Y22 | On track | ₹16,06,228 | ₹6,00,000 | ₹1,66,503 |
| Y23 | On track | ₹11,12,897 | ₹6,00,000 | ₹1,57,078 |
| Y24 | On track | ₹5,78,621 | ₹6,00,000 | ₹1,48,187 |
| Y25 | Depleted | ₹0 | ₹6,00,000 | ₹1,39,799 |