Income
SWP Calculator
Simulate a systematic withdrawal plan month by month, with withdrawals that rise each year, and see the point at which the corpus runs dry.
Last updated 9 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Your plan
6.00% of the corpus in the first year
Assumptions
Applied evenly every month. Real markets do not behave this way — see sequence risk below.
Set this to your inflation assumption if you want the income to hold its purchasing power.
Used only to show what your withdrawals are worth in today's money.
Your corpus outlasts the plan
30+ years
Withdrawing ₹50,000 a month from ₹1 Cr at 9.0%, you would still have ₹4.7 Cr left after 30 years.
Withdrawal rate, year 1
6.00%
Annual withdrawals ÷ starting corpus
Total withdrawn
₹1.8 Cr
Growth earned
₹5.5 Cr
On the balance still invested
Corpus at the end
₹4.7 Cr
What happens to the corpus
The grey line is the same withdrawal plan with no market return at all. The gap between the two lines is everything the market is being asked to contribute.
Withdrawal this corpus can sustain for 30 years
₹77,400/mo
That is ₹27,400 more than you are currently planning to take. Solved so the corpus lands at zero in the final month.
Final withdrawal, in today's money
₹8,706/mo
Your last withdrawal is ₹50,000 on paper. At 6.0% inflation it buys what ₹8,706 buys today.
Year by year
| Year | Opening | Withdrawn | Growth | Closing |
|---|---|---|---|---|
| 1 | ₹1 Cr | ₹6 L | ₹8.71 L | ₹1.03 Cr |
| 2 | ₹1.03 Cr | ₹6 L | ₹8.96 L | ₹1.06 Cr |
| 3 | ₹1.06 Cr | ₹6 L | ₹9.22 L | ₹1.09 Cr |
| 4 | ₹1.09 Cr | ₹6 L | ₹9.51 L | ₹1.12 Cr |
| 5 | ₹1.12 Cr | ₹6 L | ₹9.83 L | ₹1.16 Cr |
| 6 | ₹1.16 Cr | ₹6 L | ₹10.2 L | ₹1.2 Cr |
| 7 | ₹1.2 Cr | ₹6 L | ₹10.5 L | ₹1.25 Cr |
| 8 | ₹1.25 Cr | ₹6 L | ₹11 L | ₹1.3 Cr |
| 9 | ₹1.3 Cr | ₹6 L | ₹11.4 L | ₹1.35 Cr |
| 10 | ₹1.35 Cr | ₹6 L | ₹11.9 L | ₹1.41 Cr |
The question this answers
Building a corpus is the part of retirement planning that gets all the attention. Spending it is the part that decides whether the plan works. An SWP calculator answers a deceptively simple question: if I take a certain amount out every month, and the rest stays invested, how long before there is nothing left?
The arithmetic is unforgiving in a specific way. Below a certain withdrawal rate, growth outruns withdrawals and the corpus grows indefinitely. Above it, the corpus depletes — and the rate at which it depletes accelerates, because each withdrawal reduces the base that generates the next year's growth. The boundary between those two worlds is narrower than most people expect.
Why the grey line on the chart matters
The chart plots a second, dashed line: the identical withdrawal plan earning nothing at all. That line is the floor — the outcome if markets simply do not cooperate for the whole period. The vertical gap between the two lines is the amount of your retirement you are asking the market to fund.
If your plan only works when the blue line is far above the grey one, you are running a plan with a large dependency on returns you cannot control. If the grey line alone gets you most of the way, you have built in genuine margin.
The withdrawal rate is the number to watch
First-year withdrawals divided by the starting corpus gives you the withdrawal rate, and it is a more useful shorthand than the rupee amounts. ₹50,000 a month from ₹1 crore is 6% a year. The same ₹50,000 from ₹2 crore is 3%. The first plan is asking the portfolio to earn 6% every year before it even starts to keep pace with inflation; the second has a great deal of room.
The "withdrawal this corpus can sustain" figure in the results panel is solved backwards: it is the exact monthly amount that lands the corpus at zero in the final month of your chosen period. Treat it as the ceiling under your assumptions, not a target.
What this calculator cannot tell you
It applies one return, evenly, every month. That is a modelling convenience, not a description of reality, and it hides the single largest risk in retirement drawdown — the order in which returns arrive. It also ignores tax on redemptions, exit loads, and the very human tendency to spend more in some years than others.
Use it to understand the shape of the problem and the sensitivity of the answer to each input. Then check the same corpus against a lower return, a longer life and a higher inflation figure. If it survives all three, the plan has real slack in it. To work backwards from expenses to the corpus you need in the first place, use the retirement corpus calculator — it runs the same simulation in reverse.
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan is an instruction to a mutual fund to redeem a fixed rupee amount from your holding on a set date each month and credit it to your bank account. It is the mirror image of a SIP. The fund sells whatever number of units that rupee amount requires on that day, so the unit count falls over time while the remaining units continue to be invested.
How long will ₹1 crore last at ₹50,000 per month?
With no market return at all, ₹1 crore divided by ₹50,000 is exactly 200 months, or 16 years 8 months. At a 9% annual return the same withdrawal is largely covered by growth, and the corpus lasts far longer — in many cases it keeps growing. The variable that changes the answer most is not the return, it is whether you increase the withdrawal each year to keep pace with inflation.
What is a safe withdrawal rate in India?
The widely quoted 4% figure comes from US historical data over 30-year periods and does not transfer cleanly to Indian markets, Indian inflation or Indian tax treatment. Rather than adopting a rule, use the withdrawal-rate figure this calculator shows and test it: run the same corpus at two percentage points lower return and see whether the plan still survives. A rate that only works at optimistic assumptions is not safe.
How is SWP taxed in India?
Each withdrawal is a redemption, so only the capital gain portion of it is taxable — not the whole amount. The split between principal and gain is worked out on a first-in-first-out basis, and the rate depends on the type of fund and how long those specific units were held. This is a structural difference from interest income, where the entire receipt is taxable. Tax rules change and depend on your circumstances; check the current position with a qualified professional.
What is sequence-of-returns risk?
This calculator applies the same return every single month. Real markets do not. If a sharp fall arrives in the first few years of retirement, you are selling units at depressed prices to fund living costs, permanently removing units that would have participated in the recovery. Two retirees with identical average returns over 25 years can end up with very different outcomes purely because of the order those returns arrived in. A smooth-return calculator cannot show you this, which is worth remembering when reading any result above.
Should I increase my withdrawal each year?
If you do not, your income shrinks in real terms every year. At 6% inflation, a withdrawal that is comfortable at 60 buys less than half as much by 72. Setting the annual increase to your inflation assumption keeps purchasing power steady, but it also shortens how long the corpus lasts — sometimes dramatically. Toggle the input above and watch the depletion year move.