SWP Corpus Survival Calculator

Enter your corpus and monthly withdrawal. Add inflation if you want the withdrawal to rise with living costs, then see how long the money may last.

Check how long your corpus may last

Start with the numbers that matter most. Use Advanced only if you want to test a delay, a large expense or a market fall.

Starting corpus ₹ The amount available when you start this plan. Monthly withdrawal ₹ If pension or other income covers part of your expenses, enter only the amount you need from this corpus. How many years should the withdrawals last? Assumed annual growth % This is only a calculation assumption, not a promised return. Increase withdrawals for inflation? Choose Yes if you want the monthly withdrawal to rise each year as living costs rise. Inflation to plan for % Your monthly withdrawal will increase by this % once every year. Use your own inflation assumption.

Advanced options

All of these are optional. Leave them at zero if they do not apply.

Start withdrawals after years During this waiting period, no money is withdrawn and the corpus uses the same growth assumption. One-time extra withdrawal ₹ Optional: medical, travel, home repair or another large expense. Extra withdrawal in year Count from the first year of withdrawals. One-time market fall to test % Optional stress test. This is not a forecast. Fall happens in withdrawal year The fall is applied once, at the start of that withdrawal year.

Tax is not calculated here. A SWP is a redemption, and actual tax depends on what you hold, when units were bought and sold, gains and current tax rules. A single flat tax-rate box can be misleading.

Useful way to test: do not stop at one return assumption. Change the growth rate or inflation assumption and see how much the result moves.

Your result

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This uses smooth monthly growth from the annual rate you entered. Real returns will not arrive this evenly.

Total amount withdrawn

₹0

Monthly withdrawal in the final year

₹0

Estimated balance after your chosen period

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Illustrative starting corpus for this exact plan

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What is happening to the corpus?

Starting corpus₹0

Corpus when withdrawals start₹0

Total withdrawn₹0

Net growth while money stayed invested₹0

Estimated balance at the end₹0

What if withdrawals did not increase with inflation?

With inflation increase —

If the withdrawal stayed the same —

Keeping the withdrawal fixed may make the corpus last longer, but the same rupee amount may buy less over time as living costs rise.

See two tougher scenarios

These are only stress examples. They are not forecasts or recommended assumptions.

Growth 2 percentage points lower —

Inflation 2 percentage points higher —

See year-by-year withdrawals and balance

What this result means

What does this SWP calculator tell me?

It checks whether a starting corpus can support the monthly withdrawals you enter for the number of years you choose.

If you choose inflation adjustment, the calculator increases the withdrawal once each year and shows how that changes the corpus compared with keeping the monthly amount fixed.

What is an SWP?

SWP means Systematic Withdrawal Plan. In a mutual fund, it is a way to redeem a chosen amount at regular intervals while the remaining units stay invested.

This calculator focuses on the cash-flow question: how withdrawals and growth may change the corpus over time. It does not suggest a particular fund or investment product.

Why include inflation in an SWP?

₹50,000 a month today may not buy the same amount many years later. That is why inflation matters when you are testing withdrawals over a long period.

If you choose Yes, enter the inflation rate you want to test. The calculator increases the monthly withdrawal by that percentage once every year. Choose No if you want the withdrawal to stay fixed.

What does Advanced mode add?

Advanced mode lets you delay the first withdrawal, add one large extra expense and test a one-time fall in the corpus.

These are useful for situations such as waiting a few years before retirement, a planned large expense, or checking how sensitive the plan is to an early market fall.

Why can an early market fall matter so much?

This calculator normally uses a smooth monthly growth rate. Real market returns do not come in a straight line.

If the corpus falls sharply while you are also withdrawing money, fewer rupees remain to participate in a later recovery. That is why two portfolios with a similar long-term average return can still have different withdrawal outcomes.

Use the one-time fall option only as a stress test. It is not a prediction of what the market will do.

Does this calculator include tax?

No. A mutual fund SWP is a series of redemptions. Actual tax is not simply a flat percentage of the return shown by the calculator.

Tax can depend on the investment type, when units were bought and sold, the gain inside each redemption and the rules that apply at that time. The calculator leaves tax out rather than show a misleading flat-tax estimate.

How is the calculation done?

Your annual growth assumption is converted into an equivalent monthly rate. The monthly withdrawal is taken at the beginning of each month, then the remaining corpus grows for that month.

If you turn inflation adjustment on, the first 12 monthly withdrawals stay the same. The higher withdrawal starts in year 2 and then increases once each year. The calculator continues month by month until the chosen period ends or the corpus is exhausted.

The “illustrative starting corpus” is the amount that would just support the same plan under the same smooth-return assumptions. It is not a recommended retirement corpus or a safe-withdrawal rule.

Important things to remember

Return and inflation assumptions can change the answer dramatically. Actual returns, living costs and large expenses will not follow a calculator perfectly.

A result that lasts for 30 years in this illustration is not a guarantee that the money will last 30 years in real life. Use different assumptions and stress cases.

The calculation runs in your browser. No phone number, email or PAN is needed.

Additional reading Understand XIRR for SIP, SWP and other dated cash flows →

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About this result: The result uses the numbers and assumptions you enter. It is an estimate, not a prediction.

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