What if my withdrawal is larger than the monthly return?

The corpus shrinks. The calculator shows whether it lasts the full duration or depletes early.

When are withdrawals taken?

We grow the corpus for the month and then withdraw at the end — the convention used by most Indian mutual-fund SWPs.

Are taxes considered?

No. Capital-gains tax on each redemption is excluded; the figure is gross of tax.

SWP Calculator

Simulate a Systematic Withdrawal Plan month-by-month and see the remaining corpus over time.

Inputs

Initial corpus

INR

Monthly withdrawal

INR

Expected annual return

Withdrawal duration (years)

yrs

Currency

Result

Remaining Corpus

₹390,179.88

Corpus lasts the full 10 years

Total Withdrawn₹1,200,000.00

Growth Earned₹590,179.88

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Formula

balance_k = balance_{k-1} × (1 + i) − W, for n = years × 12 months, with i = annual return / 12.

How it works

A Systematic Withdrawal Plan (SWP) draws a fixed amount from an invested corpus each month while the remaining balance continues to earn returns. This calculator simulates the corpus month-by-month.

Example

Example: ₹10 lakh corpus withdrawing ₹10,000/month at 8% for 10 years → corpus easily survives the full period and grows.

Frequently Asked Questions

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Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.