Deep guide · India
SWP calculator — systematic withdrawal planning
Corpus near ₹28,00,000, ₹15,000 withdrawn each month, 14% a year assumed (illustrative): the run below shows how long money might last — not what any fund will earn. SWPs suit people who want steady cash flow while keeping the rest invested.
The engine is plain on purpose: accrue monthly at the rate you typed, subtract a fixed withdrawal, track the balance. Markets are not plain; treat this as a starting point, then cut the rate and add inflation or shocks in your head.
The tables show how fast the ending balance moves when withdrawal or return shifts — small edits, large swings. Plan slack.
Illustrative breakdown
- Starting corpus: ₹28,00,000
- Monthly withdrawal: ₹15,000
- Illustrative annual return: 14%
- Total withdrawn (simulated): ₹90,00,000
- Interest component (simulated): ₹1,60,21,60,914
- Remaining balance (end): ₹1,59,59,60,914
Sensitivity tables — withdrawal, rate, and corpus
Different monthly withdrawals (same corpus and rate)
| Scenario | Withdrawal | Total withdrawn | Remaining |
|---|---|---|---|
| -25% vs base | ₹11,250 | ₹67,50,000 | ₹1,93,41,31,863 |
| -15% vs base | ₹12,750 | ₹76,50,000 | ₹1,79,88,63,483 |
| Base withdrawal | ₹15,000 | ₹90,00,000 | ₹1,59,59,60,914 |
| 15% vs base | ₹17,250 | ₹1,03,50,000 | ₹1,39,30,58,345 |
| 25% vs base | ₹18,750 | ₹1,12,50,000 | ₹1,25,77,89,965 |
Different return assumptions (same corpus and withdrawal)
| Scenario | Rate | Total withdrawn | Remaining |
|---|---|---|---|
| -25% vs base | 10.5% | ₹90,00,000 | ₹20,39,43,638 |
| -15% vs base | 11.9% | ₹90,00,000 | ₹48,12,85,225 |
| Base rate | 14% | ₹90,00,000 | ₹1,59,59,60,914 |
| 15% vs base | 16.1% | ₹90,00,000 | ₹4,99,74,14,940 |
| 25% vs base | 17.5% | ₹90,00,000 | ₹10,49,54,36,667 |
Different starting corpus (same withdrawal and rate)
| Scenario | Corpus | Total withdrawn | Remaining |
|---|---|---|---|
| -25% vs base | ₹21,00,000 | ₹90,00,000 | ₹85,87,99,737 |
| -15% vs base | ₹23,80,000 | ₹90,00,000 | ₹1,15,36,64,208 |
| Base corpus | ₹28,00,000 | ₹90,00,000 | ₹1,59,59,60,914 |
| 15% vs base | ₹32,20,000 | ₹90,00,000 | ₹2,03,82,57,621 |
| 25% vs base | ₹35,00,000 | ₹90,00,000 | ₹2,33,31,22,092 |
Practical notes
Build a margin of safety: lower withdrawal rates, higher emergency cash, and periodic reviews beat a single optimistic return assumption. Pair SWP planning with health insurance and income tax estimates for a fuller retirement picture.
Frequently asked questions
- How long can SWP run on ₹28,00,000 corpus with ₹15,000/month withdrawals?
- This illustration accrues monthly interest and subtracts withdrawals until the balance exhausts or the cap hits. Ending remaining balance is about ₹1,59,59,60,914 with total withdrawn about ₹90,00,000 — highly sensitive to return assumptions and fees not modeled here.
- What is SWP in mutual funds?
- SWP is a withdrawal plan: you redeem units periodically to create cash flow. It is not the same as dividend payouts; taxation and cash-flow mechanics differ by product and holding period.
- SWP vs dividend income?
- SWP is a withdrawal plan from invested corpus; dividends are separate cash flows declared by schemes. Tax treatment differs; use this page for arithmetic intuition only.
- Is SWP withdrawal fixed?
- Here it is fixed monthly for illustration; you can adjust step-ups in the calculator UI. Real plans may need inflation-adjusted withdrawals.
- Are returns guaranteed?
- No — market returns vary. Use conservative rates for planning and keep an emergency buffer outside the SWP corpus.
- Do charges affect sustainability?
- Expense ratios, exit loads, and taxes reduce net cash flows. This simulation is pre-cost; rerun with lower effective rates to approximate costs.
- Where can I explore more scenarios?
- Use internal links below for nearby corpus, withdrawal, and rate assumptions.
Internal linking — related SWP calculator pages
Explore nearby scenarios on EasyCal — each link opens a calculator page with matching inputs (programmatic SEO).
- SWP — ₹30,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹33,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹38,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹26,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹23,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹43,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹18,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹53,00,000 corpus · ₹15,000/mo @ 14%
- SWP — ₹28,00,000 corpus · ₹17,000/mo @ 14%
- SWP — ₹28,00,000 corpus · ₹20,000/mo @ 14%
Illustrative simulation only — market risks apply.