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How Long Will Your Retirement Corpus Last? SWP Longevity Calculator

5 min read May 9, 2026By TheCalcUniverse Editorial

Your corpus lifetime depends on four factors: corpus size, withdrawal amount, return rate, and inflation. Here is how to estimate yours.


Factors Affecting Corpus Longevity

Four variables determine how long your money lasts: the size of your initial corpus, how much you withdraw monthly, the rate of return your investments earn, and inflation eroding your purchasing power.

Withdrawal RateCorpus Lasts at 8%Corpus Lasts at 6%
4%30+ years28 years
5%25 years20 years
6%20 years16 years
8%14 years11 years

Try the SWP Calculator

Plan your retirement withdrawals with our free SWP calculator.

Written by

TheCalcUniverse Editorial

Finance & Analytics Team

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