Reference 1
- Corpus
- INR 50 L
- Withdrawal
- INR 25k/mo
- Return
- 8%
- Risk signal
- Generally sustainable for long duration
वित्तम्
SWP Calculator
Calculate systematic withdrawal plan income, total withdrawals, final portfolio balance, and depletion risk using monthly compounding.
सूत्रव्याख्या
Monthly balance = previous balance x (1 + monthly return) - monthly withdrawalAn SWP reduces the portfolio each month after applying expected monthly return. If withdrawals exceed sustainable growth, the corpus can deplete before the selected duration.
Step-by-Step Example
- 1Convert expected annual return to a monthly return.
- 2Apply monthly return to the remaining corpus.
- 3Subtract the selected withdrawal amount, never below zero.
- 4Repeat month by month and flag depletion if the balance reaches zero early.
Reference
Benchmark Table
Compare common scenarios quickly. Scroll horizontally on smaller screens.
Reference 2
- Corpus
- INR 1 Cr
- Withdrawal
- INR 50k/mo
- Return
- 8%
- Risk signal
- Moderate retirement income
Reference 3
- Corpus
- INR 1 Cr
- Withdrawal
- INR 1 L/mo
- Return
- 8%
- Risk signal
- High depletion risk
Reference 4
- Corpus
- INR 2 Cr
- Withdrawal
- INR 75k/mo
- Return
- 7%
- Risk signal
- More conservative
प्रश्नोत्तराणि
No. SWP withdrawals depend on investment performance and market risk. Debt and hybrid funds can also fluctuate.
The calculator stops withdrawals at zero and flags the month of depletion so you can reduce withdrawal or increase corpus.
No. Tax treatment depends on fund type, holding period, capital gains rules, and your personal situation.
Yes. Many retirees use SWP-style withdrawals, but the withdrawal amount should be aligned with inflation, portfolio risk, and safe withdrawal planning.
Final portfolio balance
₹1,98,17,006.93