Deep guide · India
SWP calculator — systematic withdrawal planning
Corpus near ₹98,00,000, ₹1,02,000 withdrawn each month, 18% a year assumed (illustrative): the run below shows how long money might last — not what any fund will earn.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: ₹98,00,000
- Monthly withdrawal: ₹1,02,000
- Illustrative annual return: 18%
- Total withdrawn (simulated): ₹6,12,00,000
- Interest component (simulated): ₹22,79,59,03,776
- Remaining balance (end): ₹22,74,45,03,776
Sensitivity tables — withdrawal, rate, and corpus
Different monthly withdrawals (same corpus and rate)
| Scenario | Withdrawal | Total withdrawn | Remaining |
|---|---|---|---|
| -25% vs base | ₹76,500 | ₹4,59,00,000 | ₹35,62,75,02,583 |
| -15% vs base | ₹86,700 | ₹5,20,20,000 | ₹30,47,43,03,060 |
| Base withdrawal | ₹1,02,000 | ₹6,12,00,000 | ₹22,74,45,03,776 |
| 15% vs base | ₹1,17,300 | ₹7,03,80,000 | ₹15,01,47,04,492 |
| 25% vs base | ₹1,27,500 | ₹7,65,00,000 | ₹9,86,15,04,970 |
Different return assumptions (same corpus and withdrawal)
| Scenario | Rate | Total withdrawn | Remaining |
|---|---|---|---|
| -25% vs base | 13.5% | ₹6,12,00,000 | ₹61,22,12,314 |
| -15% vs base | 15.3% | ₹6,12,00,000 | ₹3,61,06,62,827 |
| Base rate | 18% | ₹6,12,00,000 | ₹22,74,45,03,776 |
| 15% vs base | 20% | ₹6,12,00,000 | ₹74,65,07,54,346 |
| 25% vs base | 20% | ₹6,12,00,000 | ₹74,65,07,54,346 |
Different starting corpus (same withdrawal and rate)
| Scenario | Corpus | Total withdrawn | Remaining |
|---|---|---|---|
| -25% vs base | ₹73,50,000 | ₹6,12,00,000 | ₹4,17,53,79,026 |
| -15% vs base | ₹83,30,000 | ₹6,12,00,000 | ₹11,60,30,28,926 |
| Base corpus | ₹98,00,000 | ₹6,12,00,000 | ₹22,74,45,03,776 |
| 15% vs base | ₹1,00,00,000 | ₹6,12,00,000 | ₹24,26,03,50,695 |
| 25% vs base | ₹1,00,00,000 | ₹6,12,00,000 | ₹24,26,03,50,695 |
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 ₹98,00,000 corpus with ₹1,02,000/month withdrawals?
- This illustration accrues monthly interest and subtracts withdrawals until the balance exhausts or the cap hits. Ending remaining balance is about ₹22,74,45,03,776 with total withdrawn about ₹6,12,00,000 — 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 — ₹1,00,00,000 corpus · ₹1,02,000/mo @ 18%
- SWP — ₹96,00,000 corpus · ₹1,02,000/mo @ 18%
- SWP — ₹93,00,000 corpus · ₹1,02,000/mo @ 18%
- SWP — ₹88,00,000 corpus · ₹1,02,000/mo @ 18%
- SWP — ₹98,00,000 corpus · ₹1,04,000/mo @ 18%
- SWP — ₹98,00,000 corpus · ₹1,07,000/mo @ 18%
- SWP — ₹98,00,000 corpus · ₹1,00,000/mo @ 18%
- SWP — ₹98,00,000 corpus · ₹97,000/mo @ 18%
- SWP — ₹98,00,000 corpus · ₹1,03,000/mo @ 18%
- SWP — ₹98,00,000 corpus · ₹1,01,000/mo @ 18%
Illustrative simulation only — market risks apply.