Monthly Income Calculator
See how much monthly income your savings can pay, and how long they last if you raise it every year.
Your income
| Monthly income you want | ₹50,000 |
| Income that lasts 30 yrs | ₹37,235/mo |
| Interest-only income | ₹64,340/mo |
| Savings left at the end | ₹0 |
| Your savings last | 20 yrs 7 mos |
Runs out before your plan of 30 yrs ends
Where 30 yrs of income comes from
| From your savings | ₹1,00,00,000 |
| From returns | ₹1,32,21,021 |
Total withdrawn₹2,32,21,021
Savings over time
Year-by-year schedule
| Year | Monthly income | Withdrawn | Returns earned | Savings left |
|---|---|---|---|---|
| 1 | ₹50,000 | ₹6,00,000 | ₹7,74,306 | ₹1,01,74,306 |
| 2 | ₹53,000 | ₹6,36,000 | ₹7,86,708 | ₹1,03,25,014 |
| 3 | ₹56,180 | ₹6,74,160 | ₹7,97,131 | ₹1,04,47,985 |
| 4 | ₹59,551 | ₹7,14,610 | ₹8,05,236 | ₹1,05,38,612 |
| 5 | ₹63,124 | ₹7,57,486 | ₹8,10,650 | ₹1,05,91,776 |
| 6 | ₹66,911 | ₹8,02,935 | ₹8,12,957 | ₹1,06,01,798 |
| 7 | ₹70,926 | ₹8,51,111 | ₹8,11,696 | ₹1,05,62,383 |
| 8 | ₹75,182 | ₹9,02,178 | ₹8,06,356 | ₹1,04,66,560 |
| 9 | ₹79,692 | ₹9,56,309 | ₹7,96,372 | ₹1,03,06,624 |
| 10 | ₹84,474 | ₹10,13,687 | ₹7,81,120 | ₹1,00,74,056 |
| 11 | ₹89,542 | ₹10,74,509 | ₹7,59,910 | ₹97,59,457 |
| 12 | ₹94,915 | ₹11,38,979 | ₹7,31,981 | ₹93,52,459 |
| 13 | ₹1,00,610 | ₹12,07,318 | ₹6,96,495 | ₹88,41,636 |
| 14 | ₹1,06,646 | ₹12,79,757 | ₹6,52,527 | ₹82,14,406 |
| 15 | ₹1,13,045 | ₹13,56,542 | ₹5,99,060 | ₹74,56,924 |
| 16 | ₹1,19,828 | ₹14,37,935 | ₹5,34,976 | ₹65,53,965 |
| 17 | ₹1,27,018 | ₹15,24,211 | ₹4,59,045 | ₹54,88,798 |
| 18 | ₹1,34,639 | ₹16,15,664 | ₹3,69,915 | ₹42,43,049 |
| 19 | ₹1,42,717 | ₹17,12,603 | ₹2,66,104 | ₹27,96,550 |
| 20 | ₹1,51,280 | ₹18,15,360 | ₹1,45,983 | ₹11,27,173 |
| 21 | ₹95,805 | ₹11,49,666 | ₹22,493 | ₹0 |
| 22 | ₹0 | ₹0 | ₹0 | ₹0 |
| 23 | ₹0 | ₹0 | ₹0 | ₹0 |
| 24 | ₹0 | ₹0 | ₹0 | ₹0 |
| 25 | ₹0 | ₹0 | ₹0 | ₹0 |
| 26 | ₹0 | ₹0 | ₹0 | ₹0 |
| 27 | ₹0 | ₹0 | ₹0 | ₹0 |
| 28 | ₹0 | ₹0 | ₹0 | ₹0 |
| 29 | ₹0 | ₹0 | ₹0 | ₹0 |
| 30 | ₹0 | ₹0 | ₹0 | ₹0 |
Income is taken at the start of each month; what's left keeps earning your return. Before tax.
Common questions
What is a systematic withdrawal plan (SWP)?
A way to draw a regular monthly income from your savings, such as a mutual fund, while the rest stays invested and keeps earning.
How long will my savings last?
Each month your income is taken out first and what is left earns a month's return. The calculator repeats this, raising the income every year, until the money runs out.
What is interest-only income?
The most you can take each month from returns alone, without ever touching your savings. It does not rise with inflation.