Updated
The SWP calculator grows the corpus at a monthly rate, deducts each month's withdrawal, raises the withdrawal by your chosen percentage every year and reports the remaining corpus, total withdrawals, months sustained and the remaining corpus in today's money. Change every input and see the estimate update immediately.
Your estimate
₹1,08,82,734
Estimated remaining corpus
Starting corpus
₹50,00,000
Estimated withdrawals
₹79,35,829
Months sustained
240 months
Today’s purchasing power
₹33,93,288
Educational estimate only. Methodology 2026.08. This is not a return promise, loan offer, tax filing or financial recommendation.
Results are estimates for learning and planning only. Tax rules, interest rates and scheme terms change from time to time, and your actual figures may differ. Please talk to a qualified financial advisor or chartered accountant before making any financial decision.
A Systematic Withdrawal Plan takes a fixed amount out of a mutual fund corpus every month while the rest stays invested. It is often used to draw a regular income in retirement. This calculator shows whether a corpus can sustain your withdrawals under an assumed return, and what may be left at the end.
The SWP calculator grows the corpus at a monthly rate, deducts each month's withdrawal, raises the withdrawal by your chosen percentage every year and reports the remaining corpus, total withdrawals, months sustained and the remaining corpus in today's money.
Worked example. A ₹50 lakh corpus with a ₹20,000 monthly withdrawal rising 5% a year, at an assumed 9% return for 20 years, pays out about ₹79.4 lakh in total and still leaves about ₹1.09 crore. At 6% inflation, that remaining corpus is worth roughly ₹33.9 lakh in today's money.
It is an educational tool that applies the disclosed systematic withdrawal method to the assumptions you enter.
No. Results are estimates, not forecasts, approvals, quotations or guarantees.
Testing conservative and optimistic inputs exposes uncertainty instead of hiding it behind one number.
Only when a tax or fee is shown as an explicit input or result. Otherwise it is excluded.
The mathematics follows the stated methodology, while real outcomes depend on rates, timing, rules, fees and circumstances.
No. Use it for education and scenario comparison, then verify decisions with official documents or a qualified professional.
Inflation translates a future amount into approximate present-day purchasing power. The default 6% is editable and is not a forecast.
Recalculate when rates, income, contributions, rules, goals or repayment terms change.
Yes. Institutions may use different compounding dates, rounding, charges and eligibility rules.
No. Calculations run locally in your browser and the input values are not sent to a calculation server.