Withdrawal · Retirement

Wealth Withdrawal (SWP) Calculator

You have a lump sum invested and want to withdraw monthly. Enter your corpus, expected return, monthly withdrawal, and annual withdrawal increase — the calculator shows how long your money lasts and what it looks like year by year.

Current Corpus / Investment (₹)₹10.00 LExpected Return (% p.a.)Pre-tax returns on invested corpusMonthly Withdrawal (₹)₹6.00 L / yearAnnual Withdrawal Increase (%)Inflation adjustment on withdrawalsYour Current Age (optional)Adds an age column to the year-by-year table

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Corpus depletes in under 10 years

Consider reducing monthly withdrawal, lowering the annual increase rate, or growing your corpus before withdrawing.

Corpus Runway

1 yr 10 mos

Starting with ₹10.00 L at 10% p.a., withdrawing ₹50,000/month (rising 5% each year) — corpus fully exhausted.

Withdrawal rate: 60.00% — exceeds the 4% guideline (higher depletion risk) ⚠

Corpus remaining: ₹0Total withdrawn: ₹11.50 L

Corpus (0.0%) Withdrawn (100.0%)

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4% Safe Withdrawal Rule — your rate: 60.00%

The 4% rule says withdrawing less than 4% of corpus per year is the safe zone. Your current rate of 60.00% exceeds this — the simulation runway above shows your actual outlook. Consider a lower monthly withdrawal or a larger starting corpus.

Safe zone: withdrawal rate < 4% · The actual corpus runway shown above is the definitive indicator for your specific inputs.

Total Withdrawn

₹11.50 L

lifetime withdrawals

At Year 5

—

corpus end of year

At Year 10

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corpus end of year

At Year 20

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corpus end of year

Illustrative estimate only. Returns assumed constant and pre-tax. Actual market returns vary. This simulation does not account for taxes on withdrawals, fund expenses, or market volatility. Not financial advice — consult a SEBI-registered financial adviser.

About Systematic Withdrawal Plans (SWP)

An SWP lets you withdraw a fixed amount every month from your invested corpus while the rest continues to grow. It is commonly used during retirement to create a regular income stream.

The key variables: your corpus must grow faster than you withdraw for it to last. Use the annual step-up to model inflation-adjusted withdrawals — for example, 6% step-up means each year you withdraw 6% more than the previous year.