Post Retirement — Corpus Usage
See how your retirement corpus gets used over the years
Your inputs
Calculated results
Setup
Enter your retirement corpus detail. The table below shows year-by-year usage until the corpus runs out.
Starting Corpus
₹ 0
Per Person Share
₹ 0
Corpus Runs Out At Age
—
Corpus Over Time
Year-by-Year Breakdown
| Age | Corpus (Start) | Interest/Person | Total Returns | Annual Expense | Net Change | Corpus (End) |
|---|
How to use: Use the Retire calculator to determine your required corpus. Enter it here along with expected inflation, investment returns, and annual expenses. The table shows how your corpus evolves each year. When it reaches zero, that's the age you run out of money. Try adjusting rates to see different scenarios.
💡 Tip: A simple strategy for post-retirement income is to put the corpus in Fixed Deposits under the New Tax Regime. With the standard deduction of ₹75,000 and zero tax up to ₹4L, the effective tax on FD interest is quite low for moderate corpus sizes. This eliminates market risk entirely.
Note: We are assuming that the spending patterns will stay the same during retirement, which is a fair assumption.
💡 Tip: A simple strategy for post-retirement income is to put the corpus in Fixed Deposits under the New Tax Regime. With the standard deduction of ₹75,000 and zero tax up to ₹4L, the effective tax on FD interest is quite low for moderate corpus sizes. This eliminates market risk entirely.
Note: We are assuming that the spending patterns will stay the same during retirement, which is a fair assumption.