Will the money last?
How long will our retirement money last?
Your savings, spent month by month as prices rise, with any pension or rent: see the age it lasts to, how much you could spend for it to last, and what-ifs like a big medical bill.
Planning estimates for education — not financial advice. Rates and returns change.
Your money
One crore rupees
Fifty thousand rupees
It rises with prices every year.
Used if blank: ₹0 — no other income
Ages and rates
Used if blank: 90 — a careful plan for a long life
A year.
Used if blank: 6% — your household inflation
A year, after tax.
Used if blank: 7% — your usual return on savings
At your spending
Money lasts until
Age 78
Left at 90
₹0
To last until 90
You could spend up to
₹32,902
a month, rising with prices
Or you'd need saved
₹1.52 Cr
for ₹50,000 a month
What the numbers show
- ⚠️At ₹50,000 a month (rising 6% a year), the money runs out at about age 78 — 12 years before 90.
- 📌To last to age 90, you could spend up to about ₹32,902 a month to start (rising with prices) — or you'd need about ₹1.52 Cr saved for your ₹50,000 a month.
- 📌Keep 1–2 years of spending in safe, easy-to-reach places (savings account, short FDs); the rest can be in steadier long-term options.
Educational planning estimates, not financial advice.
Money left, year by year
- As entered
- Returns 2 points lower
- A ₹10 lakh medical cost at the start
Each year: taken out and earned
- Taken out
- Earned
What if…
| Money lasts until | Could spend a month | |
|---|---|---|
| As entered | Age 78 | ₹32,902 |
| Returns 2 points lower | Age 75 | ₹24,773 |
| A ₹10 lakh medical cost at the start | Age 76 | ₹29,612 |
How it's worked out
Month by month the money earns its return and the spending (less any pension or rent) is taken out. Spending rises with prices once a year; pension and rent are taken as fixed. “You could spend up to” is the highest starting amount that still lasts to the age you chose.