SWP Calculator
A Systematic Withdrawal Plan is the reverse of a SIP: instead of adding a fixed amount each month, you take one out, while the balance you haven't touched keeps earning. It's how a retirement corpus turns into a monthly income.
The question that matters is whether the corpus outlives you or you outlive it. This calculator runs the numbers month by month — growing the balance at your assumed return, subtracting each withdrawal — and tells you how long it lasts.
The corpus outlasts the 25-year window, ending with 8,170,088 still invested.
How it works
- 01Each month the balance earns one month of return, then your withdrawal is taken out.
- 02If withdrawals plus the shrinking balance can no longer cover a full withdrawal, the calculator reports the month it runs dry.
- 03A withdrawal below the monthly return means the corpus grows instead of depleting — the ideal, sustainable case.
Frequently asked
What withdrawal rate is safe?+
A common rule of thumb is 4% of the corpus per year, adjusted for inflation. In higher-inflation markets, 3–3.5% is safer. Keep the annual withdrawal below your expected return and the corpus can last indefinitely.
Does this account for inflation?+
It assumes a fixed monthly withdrawal. In reality your expenses rise, so a corpus that lasts on today's withdrawal may fall short later — plan for a withdrawal that can grow, or a larger buffer.