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Wealth & Planning

SWP Retirement Planner

Plan systematic monthly withdrawals from your mutual fund corpus without depleting retirement principal.

  • Runs entirely in your browser
  • No sign-up, nothing stored
  • Formula explained below

Plan your withdrawals

Adjust the sliders or type exact values.

₹
₹5L₹2Cr
₹
₹5K₹2L
%
1%20%
yrs
1 yrs30 yrs
Corpus left after 15 years
₹59,46,014

Withdrawing ₹35,000 a month at a 9% return, you take out ₹63,00,000 over 15 years and still have money invested.

Total withdrawn
₹63,00,000
Returns earned
₹72,46,014
Corpus lasts
15+ yrs
  • Withdrawn51%
  • Corpus left49%

Corpus balance over time

What is still invested at the end of each year, after that year's withdrawals.

Returns cover your withdrawals
Your corpus earns more than you take out, so it grows from ₹50,00,000 to ₹59,46,014 over 15 years. Remember that withdrawals here are fixed and not raised for inflation.

Withdrawals vs. returns each year

When the yearly withdrawal is taller than the return earned, the corpus shrinks.

  • Withdrawn
  • Returns earned

Withdrawal rate

Your yearly withdrawal as a share of the starting corpus. Below 9% (your expected return), the corpus does not shrink.

Yearly withdrawal
₹4,20,000
Starting corpus
₹50,00,000
Withdrawal rate
8.4%
Break-even rateWithdraw less than this and the corpus keeps growing
9%
Max withdrawal to last the periodRuns the corpus to zero in exactly 15 years
₹50,713/mo

Withdrawal schedule

Opening corpus, withdrawals, returns earned and closing balance for every period.

YearOpening corpusWithdrawnReturns earnedClosing balance
Year 1₹50,00,000₹4,20,000₹4,51,269₹50,31,269
Year 2₹50,31,269₹4,20,000₹4,54,202₹50,65,471
Year 3₹50,65,471₹4,20,000₹4,57,411₹51,02,882
Year 4₹51,02,882₹4,20,000₹4,60,920₹51,43,802
Year 5₹51,43,802₹4,20,000₹4,64,759₹51,88,560
Year 6₹51,88,560₹4,20,000₹4,68,957₹52,37,518
Year 7₹52,37,518₹4,20,000₹4,73,550₹52,91,067
Year 8₹52,91,067₹4,20,000₹4,78,573₹53,49,640
Year 9₹53,49,640₹4,20,000₹4,84,068₹54,13,708
Year 10₹54,13,708₹4,20,000₹4,90,078₹54,83,786
Year 11₹54,83,786₹4,20,000₹4,96,651₹55,60,437
Year 12₹55,60,437₹4,20,000₹5,03,842₹56,44,279
Year 13₹56,44,279₹4,20,000₹5,11,707₹57,35,986
Year 14₹57,35,986₹4,20,000₹5,20,310₹58,36,295
Year 15₹58,36,295₹4,20,000₹5,29,719₹59,46,014
Showing 15 yearsReturns added monthly, then the withdrawal is taken

How a systematic withdrawal plan works

An SWP pays you a fixed amount every month by redeeming units from your mutual fund, while the rest of the corpus stays invested and keeps earning returns.

Bₘ = Bₘ₋₁ × (1 + i) − W
Bₘ
Corpus balance at the end of month m
i
Monthly return = annual return ÷ 12 ÷ 100
W
Monthly withdrawal (or whatever is left, in the final month)
B₀
Starting corpus
What withdrawal rate is sustainable?
In this model the corpus never shrinks as long as your yearly withdrawal is below the expected return. Many planners use a lower rate, around 4–5% a year, to leave room for market falls and rising expenses.
Are SWP returns guaranteed?
No. Mutual fund returns vary from year to year. A market fall early in retirement does more damage than the same fall later, because you are selling units at low prices. Use a conservative return when planning.
Does this include tax or inflation?
No. Figures are before tax, and the withdrawal stays the same every month. Each withdrawal redeems fund units, so only the capital-gains portion of what you redeem is taxed. Review your withdrawal every year to keep pace with inflation.

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