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SWP Calculator
Draw a monthly income from your corpus — and see how long it lasts.
Balance after 20 years
₹1.96 Cr
Your corpus comfortably lasts the full 20 years.
Monthly withdrawal
₹50,000
Total withdrawn
₹1.20 Cr
Interest earned
₹2.16 Cr
Withdrawal rate
6.0% / yr
Purchasing power of your payout
₹15,590
A fixed ₹50,000 monthly payout will feel like this in 20 years at 6% inflation. A yearly step-up keeps your income real.
1,00,00020,00,00,000
1,00020,00,000
120
140
015
012
Year-by-year withdrawals
| Year | Withdrawn | Interest | Balance |
|---|---|---|---|
| 1 | ₹6.00 L | ₹8.03 L | ₹1.02 Cr |
| 2 | ₹6.00 L | ₹8.20 L | ₹1.04 Cr |
| 3 | ₹6.00 L | ₹8.39 L | ₹1.07 Cr |
| 4 | ₹6.00 L | ₹8.58 L | ₹1.09 Cr |
| 5 | ₹6.00 L | ₹8.80 L | ₹1.12 Cr |
| 6 | ₹6.00 L | ₹9.03 L | ₹1.15 Cr |
| 7 | ₹6.00 L | ₹9.28 L | ₹1.18 Cr |
| 8 | ₹6.00 L | ₹9.55 L | ₹1.22 Cr |
| 9 | ₹6.00 L | ₹9.85 L | ₹1.26 Cr |
| 10 | ₹6.00 L | ₹10.17 L | ₹1.30 Cr |
| 11 | ₹6.00 L | ₹10.51 L | ₹1.34 Cr |
| 12 | ₹6.00 L | ₹10.89 L | ₹1.39 Cr |
| 13 | ₹6.00 L | ₹11.29 L | ₹1.45 Cr |
| 14 | ₹6.00 L | ₹11.73 L | ₹1.50 Cr |
| 15 | ₹6.00 L | ₹12.21 L | ₹1.57 Cr |
| 16 | ₹6.00 L | ₹12.72 L | ₹1.63 Cr |
| 17 | ₹6.00 L | ₹13.28 L | ₹1.71 Cr |
| 18 | ₹6.00 L | ₹13.89 L | ₹1.78 Cr |
| 19 | ₹6.00 L | ₹14.54 L | ₹1.87 Cr |
| 20 | ₹6.00 L | ₹15.25 L | ₹1.96 Cr |
Your inputs are saved on this device automatically.
Frequently asked questions
A Systematic Withdrawal Plan lets you redeem a fixed amount from a mutual fund every month while the remaining corpus stays invested and keeps growing.
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