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SWP Calculator

Plan fixed monthly withdrawals from your investment corpus.

₹
₹
%
Yrs

Scenario Analysis (Assumed Returns)

Conservative

10%

13,00,000

Base

12%

13,80,000

Higher

14%

15,00,000

Labels are estimates based on your base rate (12%).

Remaining Corpus

₹0

Initial Principal

₹10,00,000

Total Withdrawn

₹13,80,000

Portfolio Mix

Remaining
Withdrawn

Growth Curve

You start with a corpus of ₹10,00,000 and withdraw ₹20,000 every month for 20 years. At an estimated 12% annual return, you withdraw a total of ₹13,80,000 and have a remaining balance of ₹0.

Next Architectural Steps

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How it works

Systematic Withdrawal Plan allows you to withdraw a fixed amount regularly while the remaining balance continues to grow.

The formula

Remaining = (Corpus - Withdrawal) * (1 + r)
C
Initial Corpus
W
Monthly Withdrawal

Worked example

₹50L corpus, ₹30k monthly withdrawal at 8% return lasts for many years.

Pro tips

  • Ideal for generating regular income post-retirement.

Common mistakes

  • Withdrawing more than the generated returns (depleting principal too fast).

Go deeper

Related lessons

Retirement Planning

Concepts to explore

Safe withdrawal rates

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.