The withdrawal is taken at the end of each month, after that month's growth. Returns are assumed constant.
Balance at the end
₹1,00,09,152
- Total withdrawn
- ₹72,00,000
- Corpus lasts
- the full 20 years
Year by year
What an SWP is for
A systematic withdrawal plan is the mirror image of a SIP: instead of putting a fixed amount in every month, you take a fixed amount out, and whatever is left stays invested. It is the standard way to convert a retirement corpus into a monthly income without selling everything on day one.
The tension is simple. If the withdrawal is smaller than the growth, the corpus keeps rising and the income is effectively permanent. If it is larger, you are eating into capital and there is a date on which it ends — this calculator tells you which of those you are doing, and if it is the second, when.
The withdrawal rate that survives
As a rough guide, withdrawing about 4% of the starting corpus a year has historically survived a 30-year retirement in most market conditions. On ₹50 lakh that is a little under ₹17,000 a month. Anything much above that and the outcome depends heavily on what markets do in the first few years — the sequence of returns, not just the average.
The chart plots the balance, not the withdrawals, precisely so a corpus heading for zero is visible long before it gets there.
Common questions
It is different. An FD pays a contractual rate and returns your capital intact; an SWP takes market risk in exchange for a corpus that can grow while paying you. In a bad first decade an SWP can leave you materially worse off, which is the risk the FD does not carry.
Related calculators
SIP
Put in what you invest each month and the return you expect, and see what the SIP is worth at the end — split into the money you actually paid in and the growth on top.
Lumpsum
One amount, invested once, left to compound. See what it becomes and how much of that is growth rather than your own money.
Fixed deposit
What a fixed deposit is worth at maturity, compounded quarterly the way banks actually post it.
Inflation
What today's rupee is worth later, and what today's expense costs later. The same arithmetic, pointed in both directions.