SWP Calculator
How long will my corpus last?
Your corpus lasts
Indefinitely
returns cover the withdrawal
Starting corpus
₹1.00Cr
One crore
Monthly withdrawal
₹50,000
Fifty thousand
Sustainable withdrawal
₹66,667
Sixty six thousand six hundred sixty seven
returns only, corpus untouched
Your withdrawal plan
₹
One crore
₹1.00L₹20.00Cr
₹
Fifty thousand
₹1.0K₹10.00L
Eight
1%20%
Zero
0%12%
Set the yearly increase to your expected inflation if you want the withdrawal to hold its purchasing power. It shortens how long the corpus lasts, often dramatically.
Corpus over time
What this calculation assumes
- •The withdrawal is taken at the end of each month, after that month’s returns are credited.
- •The corpus earns a constant return. A bad first few years — sequence-of-returns risk — can exhaust a corpus far sooner than this shows.
- •Capital gains tax on withdrawals is not deducted.
- •The sustainable withdrawal figure is returns-only and leaves the capital untouched in nominal terms, not in real terms.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Model a systematic withdrawal plan and see how many years your corpus survives — and whether it survives at all.