SWP & Retirement Corpus Calculator
Find out how long your corpus lasts with a monthly withdrawal, and the most you could withdraw to make it last a set number of years. Runs in your browser; nothing is uploaded.
A worked example
Say you retire with a corpus of Rs 1,00,00,000 and withdraw Rs 50,000 a month, raising that withdrawal by 5% every year to keep up with costs, while the corpus earns 8% a year. That first withdrawal is 6% of the corpus, and because the withdrawals grow faster than is sustainable at this return, the corpus runs out after 24 years and 2 months, short of a 30-year plan. To make the same corpus last the full 30 years with the same 5% yearly increase, the calculator works backward to find that the starting withdrawal would need to be closer to Rs 43,536 a month, not Rs 50,000.
Understanding the calculation
- Each month
- Withdraw the amount, then grow what is left by the annual return divided by 12. The withdrawal rises by the yearly increase at the start of each year.
- Highest withdrawal that lasts
- Found by trying starting withdrawals until the balance reaches zero exactly at the end of the plan period.
Common questions
What does this calculator show?
It shows how long a lump of money lasts when you withdraw a fixed amount every month while the rest keeps earning a return, and the highest starting withdrawal that would last your chosen number of years.
What is a safe withdrawal rate?
It is the share of your starting corpus you withdraw in the first year. A commonly quoted rule of thumb is about 4% for a 30-year retirement in some markets, but it depends on returns and inflation, so this page lets you test your own assumptions instead of relying on a rule.
Why increase withdrawals each year?
Costs rise with inflation, so a withdrawal that is enough today will not be enough later. The yearly increase raises your monthly withdrawal by that percentage every year, which makes the corpus run out sooner.
When is the withdrawal made?
At the start of each month. The rest of the money then earns one month of return at your annual rate divided by 12.
What if returns are uneven?
Real returns swing from year to year, and poor returns early on hurt a withdrawing portfolio the most. A single steady return flatters the result, so test a lower return as well.
Is tax included?
No. Gains in the part you withdraw are taxed as capital gains for equity or debt funds, which reduces what you keep. This page ignores tax.