Plan monthly income
Use fixed duration mode to estimate a starting monthly withdrawal designed to use the corpus over your selected period.
PLAN WITH CLARITY
Set your withdrawal strategy
Choose whether to solve for a sustainable monthly income over a fixed period or estimate how long a chosen withdrawal could last.
SWP Inputs
Total investment or retirement corpus available for withdrawals.
Please enter a valid corpus of at least ₹1,000.
Effective annual return: 12% means 12% growth over a year before withdrawals. Returns accrue monthly and withdrawals occur at month end.
Return must be between 0% and 30%.
Enter whole years from 0 to 100 and additional months from 0 to 11. Total duration must be 1 to 1,200 months.
SWP Summary
Withdrawal Schedule
| Month | Opening Corpus | Interest Earned | Monthly Withdrawal | Inflation Applied | Closing Corpus |
|---|
SWP PLANNING, EXPLAINED
How to use this SWP calculator
Enter your corpus, expected return and preferred withdrawal approach. The calculator applies monthly compounding and shows each withdrawal so you can review the complete projection.
Test corpus longevity
Use fixed withdrawal mode to estimate how long the corpus could support the monthly income you choose.
Account for inflation
Increase withdrawals once each year to model income that aims to maintain purchasing power over time.
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Important Disclaimer
This calculator provides educational estimates based on a constant return assumption. Actual corpus longevity may differ due to market volatility, inflation, taxes, expenses and withdrawal changes. Results are not guaranteed and should not be treated as financial advice.
SWP CALCULATOR FAQ
Questions and answers
Clear answers to common questions about systematic withdrawals, inflation and corpus sustainability.
Frequently Asked Questions