Investment
SWP Calculator
Test whether a corpus can sustain a monthly withdrawal.
Your figures
Corpus remaining
₹2,55,33,431
- Total withdrawn
- ₹1,50,00,000
- Corpus lasts
- 25.0 yrs
- Initial withdrawal rate
- 6.00%
First-year withdrawal as a share of the starting corpus.
Withdrawal schedule
| Year | Withdrawn | Growth | Closing balance |
|---|---|---|---|
| 1 | ₹6,00,000 | ₹8,03,349 | ₹1,02,03,349 |
| 2 | ₹6,00,000 | ₹8,20,227 | ₹1,04,23,575 |
| 3 | ₹6,00,000 | ₹8,38,505 | ₹1,06,62,081 |
| 4 | ₹6,00,000 | ₹8,58,301 | ₹1,09,20,382 |
| 5 | ₹6,00,000 | ₹8,79,740 | ₹1,12,00,122 |
| 6 | ₹6,00,000 | ₹9,02,958 | ₹1,15,03,080 |
| 7 | ₹6,00,000 | ₹9,28,104 | ₹1,18,31,184 |
| 8 | ₹6,00,000 | ₹9,55,336 | ₹1,21,86,520 |
| 9 | ₹6,00,000 | ₹9,84,829 | ₹1,25,71,349 |
| 10 | ₹6,00,000 | ₹10,16,769 | ₹1,29,88,119 |
How this is calculated
Each month: balance = (balance − withdrawal) × (1 + r ÷ 12). The withdrawal is taken first, then the remainder grows — the conservative ordering.
A systematic withdrawal plan draws a fixed amount each month while the balance stays invested. This projects the remaining corpus, and flags the month it would run out.
Assumptions used
- Post-retirement return7%
- General inflation6%
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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