Calculator
SWP Calculator
A systematic withdrawal plan draws a fixed amount from a corpus each month while the remainder keeps earning. This shows whether your corpus survives the horizon or runs dry, and exactly when. Building a corpus is half the job; drawing from it without exhausting it is the other half.
A drawdown portfolio is usually more conservative than an accumulating one.
Left at the end
Left at the end:₹2,55,33,431
- Total withdrawn
- ₹1,50,00,000
- Months of income paid
- 300
What this assumes
Every calculator here states what it took for granted. A result whose assumptions are hidden is not worth much.
- The withdrawal is taken at the start of the month, before that month’s growth.
- The withdrawal amount stays flat and is not raised for inflation.
- No capital gains tax is deducted, and real withdrawals are usually taxable.
How to use it
- Enter the corpus you expect to have and the monthly income you want from it.
- Use a more conservative return than you would for an accumulating portfolio.
- If it runs dry, reduce the withdrawal rather than raising the return.
Illustrative only. Not a projection, not a guarantee, and not investment advice.
Common questions
What withdrawal rate is safe?
There is no universally safe rate, and any figure quoted as one deserves suspicion. What matters is the relationship between your withdrawal, the return you actually get and how long you need the income. This tool lets you see where the corpus stops surviving, which is more useful than a rule of thumb.
Should the withdrawal rise with inflation?
In reality it has to, because your costs will. This calculator holds it flat to keep the arithmetic legible, so treat the result as optimistic and plan a margin. We model the rising version properly in a retirement assessment.
A number is not a plan.
If this result raised a question, that is the useful part. Bring it in and we will work through what it means for your situation.