About this tool
Model regular withdrawals from an initial corpus using the entered return and payment assumptions. Inspect the remaining balance over the chosen horizon before discussing a withdrawal plan in its broader context.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Starting Investment Corpus (₹); Monthly SWP Withdrawal (₹); Expected Annual Return on Balance (% p.a.).
- Review Starting Corpus; Total Cash Withdrawn; Final Remaining Balance in the result breakdown.
Benefits
- Compare withdrawal amounts against a projected balance.
- See how assumptions change the modelled depletion period.
Who should use this tool?
- People exploring retirement cash-flow scenarios.
- Planners checking a withdrawal illustration.
How to use
- Complete the labelled fields for your scenario, including Starting Investment Corpus (₹); Monthly SWP Withdrawal (₹); Expected Annual Return on Balance (% p.a.). Use the units shown beside each field.
- Try the example labelled “₹50 Lakh Corpus, ₹30k/mo SWP @ 9% for 15 Years” if you want to check the workflow first.
- Select Calculate / Run Tool and review Final Remaining Corpus & Total Withdrawn and Starting Corpus; Total Cash Withdrawn.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| ₹50 Lakh Corpus, ₹30k/mo SWP @ 9% for 15 Years | Starting Investment Corpus (₹): 5000000Monthly SWP Withdrawal (₹): 30000Expected Annual Return on Balance (% p.a.): 9Withdrawal Duration (Years): 15 | Remaining Balance: ₹72,13,256 after 15 Yrs |
| ₹1 Crore Corpus, ₹50k/mo SWP @ 8.5% for 20 Years | Starting Investment Corpus (₹): 10000000Monthly SWP Withdrawal (₹): 50000Expected Annual Return on Balance (% p.a.): 8.5Withdrawal Duration (Years): 20 | Remaining Balance: ₹2,09,80,095 after 20 Yrs |
Reference and processing
Standard Monthly Depletion & Compounding SWP Model · Listed applicability: 2025-2026
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Can a constant-return projection capture market volatility?
A smooth return assumption does not capture the order or size of real market gains and losses. Actual withdrawals can interact with volatility differently from this projection.
Which inputs do I need for SWP (Systematic Withdrawal Plan) Retirement Corpus Calculator?
Use Starting Investment Corpus (₹); Monthly SWP Withdrawal (₹); Expected Annual Return on Balance (% p.a.); Withdrawal Duration (Years). The built-in examples show how those fields fit together.
What should I check before using this result?
Does not account for sequence-of-returns risk in volatile equity markets; conservative hybrid/debt return assumptions are recommended. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.