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Shravya Finlytics

SWP calculator

See how long a corpus lasts when you withdraw a fixed amount every month, with the rest still invested, and what raising the withdrawal with inflation does to it.

Drawing a monthly income from a corpus while the rest stays invested.

1,00,000–50,00,00,000
₹
1,000–20,00,000
₹
1–15
%
0–12
%

Keeping the income level in real terms.

1–40
years

Everything here is worked out in your browser. Nothing you type is sent to us or saved.

The money runs out in

21 years 4 months

Total withdrawn

₹2,46,05,429

First year withdrawal

6.0%

Of the corpus. About 4% is the usual rule of thumb.

  • Withdrawn that year
  • Balance left
₹0₹50.0 L₹1.0 Cr0481216202425
Withdrawing ₹50,000 a month, raised 6% a year, from ₹1.0 Cr earning 8%. Hover, or focus the chart and use the left and right arrow keys, to read any year.
See the numbers
Withdrawing ₹50,000 a month, raised 6% a year, from ₹1.0 Cr earning 8%.
YearWithdrawn that yearBalance leftDifference
0₹0₹1,00,00,000₹1,00,00,000
1₹6,00,000₹1,02,03,349₹96,03,349
2₹6,36,000₹1,03,85,977₹97,49,977
3₹6,74,160₹1,05,43,908₹98,69,748
4₹7,14,610₹1,06,72,701₹99,58,092
5₹7,57,486₹1,07,67,404₹1,00,09,918
6₹8,02,935₹1,08,22,499₹1,00,19,563
7₹8,51,111₹1,08,31,851₹99,80,740
8₹9,02,178₹1,07,88,645₹98,86,467
9₹9,56,309₹1,06,85,318₹97,29,010
10₹10,13,687₹1,05,13,489₹94,99,802
11₹10,74,509₹1,02,63,875₹91,89,367
12₹11,38,979₹99,26,210₹87,87,231
13₹12,07,318₹94,89,145₹82,81,827
14₹12,79,757₹89,40,148₹76,60,391
15₹13,56,542₹82,65,389₹69,08,847
16₹14,37,935₹74,49,618₹60,11,683
17₹15,24,211₹64,76,031₹49,51,819
18₹16,15,664₹53,26,122₹37,10,458
19₹17,12,603₹39,79,526₹22,66,923
20₹18,15,360₹24,13,844₹5,98,485
21₹19,24,281₹6,04,453-₹13,19,829
22₹6,09,793₹0-₹6,09,793
23₹0₹0₹0
24₹0₹0₹0
25₹0₹0₹0
  • At this rate the corpus is spent after 21 years 4 months. Lower the withdrawal, or plan for a larger corpus.
  • A bad run of returns in the first few years does far more damage than the same run later, because the withdrawals come out of a smaller balance. The averages here cannot show that.
  • Each withdrawal from an equity fund is a redemption, and capital gains tax applies on the gain portion.

Common questions

How much can I safely withdraw?

The rule of thumb is about 4 per cent of the corpus a year, raised with inflation. This calculator lets you check your own number instead of trusting the rule: if the balance hits zero before the end of the period, the withdrawal is too high.

Other calculators

This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.