₹42 lakh into equity mutual funds for growth. ₹8 lakh into a liquid fund, kept aside as your reserve for emergencies.
Nothing is withdrawn until 2029. The money compounds untouched and grows to around ₹67 lakh, which makes every year afterwards easier.
₹25,000 reaches your bank account each month. That amount rises about 6% every year, so it keeps pace with the cost of living.
Your monthly amount keeps rising, but it always buys the same thing: whatever ₹25,000 buys today.
₹80,178 a month in 2049 looks far bigger than ₹25,000. It isn’t — prices will have risen by then as well. The yearly increase exists to protect what you can actually afford, not to make you richer.
Slide to any year to see what reaches you that month, what you have received in total by then, and what is still invested in your name.
What reaches your bank account each month, and what remains invested.
| Year | Your monthly income | Corpus remaining |
Corpus in today’s money |
|---|
Figures are before tax. For roughly the first six years no tax is payable on these withdrawals; after that a portion becomes taxable, and we will plan for it as it approaches.
Markets don’t deliver the same return every year, so a single line would be misleading. Each of these pays you exactly the same monthly income.
These figures assume equity returns of about 13% a year over the long term. That is a reasonable expectation based on how Indian equity markets have behaved over long periods. It is not a guarantee, and no year will look exactly like this.
If returns come in meaningfully lower over many years, or a long downturn arrives early, the monthly amount may need to be reviewed. That is why we sit down once a year, compare the plan against what actually happened, and adjust early — while adjusting is still easy.
The ₹8 lakh reserve exists for the same reason: so a sudden expense never forces us to sell equity at a bad moment.
| Invested now | ₹50,00,000 |
|---|---|
| Income starts | September 2029 |
| Starting monthly income | ₹25,000 |
| Increase each year | 6% |
| Equity return assumed | 13% a year |
| Liquid fund return assumed | 6.5% a year |
| Inflation assumed | 6% a year |
Every number in this document rests on the assumptions above. They are estimates used to model the plan, not fixed or guaranteed returns. Mutual funds do not offer assured returns. Actual results will be higher in some years and lower in others, and the final outcome will differ from what is shown here.