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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.
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.
Corpus depletes in under 10 years
Consider reducing monthly withdrawal, lowering the annual increase rate, or growing your corpus before withdrawing.
Corpus Runway
Starting with ₹10.00 L at 10% p.a., withdrawing ₹50,000/month (rising 5% each year) — corpus fully exhausted.
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Total Withdrawn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
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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.