Calculator
SWP calculator
Withdraw monthly, stay invested: see total withdrawn, what's left, and whether the money outlives the plan.
- Total withdrawn₹36.00 L
- Left at end₹32.66 L
- Money lasts20+ years ✓
Hover the chart for the yearly breakup.
Projection only. SWP withdrawals are taxed as capital gains — see the capital-gains calculator. Retirees usually pair SWP with debt-heavy allocation.
What this calculator answers
Withdrawing ₹15,000 a month from a ₹20,00,000 corpus earning 10% lasts the full 20 years modelled, pays out ₹36,00,000 in total and leaves about ₹32,65,615. Enter the corpus, withdrawal and return to see how long the money lasts.
How it is calculated
The corpus earns one-twelfth of the annual rate each month and the withdrawal is deducted at the end of the month, so the balance is projected month by month. If the balance reaches zero the simulation stops and reports how many months it lasted.
The withdrawal is a fixed rupee amount and is not indexed to inflation, and the return is one steady rate rather than a sequence of good and bad years.
Common questions
How do I know if my withdrawal rate is sustainable?
Compare the annual withdrawal with the corpus — that ratio is your withdrawal rate. A lower rate makes the money last longer, and the year-by-year balance shows how the corpus behaves.
What if the corpus runs out early?
The projection stops when the balance reaches zero and reports the number of months it survived, so you can test a smaller withdrawal or a longer horizon.
Is inflation accounted for?
No — the withdrawal stays flat in rupee terms, so its purchasing power falls over time. To plan in real terms, enter a return that is net of inflation.
Source & freshness
- Source
- Deterministic formula in lib/calculators.ts
- Timeliness
- Static-verified
- Method
- calculated
- Note
- Illustrative projection from your inputs — not a market quote.