SWP illustration tool

This SWP illustration shows how a corpus might behave while you draw a fixed monthly income, at rates you choose. Enter a corpus, a monthly withdrawal, years, and three rates, and it shows the illustrative balance left, or when the corpus runs out. It is arithmetic, not a forecast, and never pre-fills a rate.

Key facts

Enter a corpus, a monthly withdrawal, years, and three annual rates you choose.
It shows the illustrative balance remaining, or when the corpus is exhausted.
No rate is pre-filled; include a deliberately low case, which depletes a corpus faster.
It computes in your browser; nothing you enter is sent to a server.

An SWP draws a fixed income from a corpus while the rest stays invested. Enter your numbers below, with three rates including a deliberately low one, to see how the withdrawal and the rate together decide how long the money lasts.

Starting corpus₹Monthly withdrawal₹For how many yearsyears

Assumed annual rates (you choose all three)

Enter three different annual rates to compare. Include a deliberately low one: no one can tell you what a fund will return, so seeing a pessimistic case matters as much as an optimistic one.

A deliberately low rate% a yearA middle rate% a yearA higher rate% a year

Illustrative balance at the rate you entered

Enter a corpus, a monthly withdrawal, years, and at least one rate to see an illustration.

Enter a rate

This is an arithmetic illustration of compounding at a rate you chose. It is not a forecast, a projection, or an indication of what any mutual fund scheme will return. Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.

This tool computes entirely in your browser. Nothing you enter is sent to a server or stored by us.

Why the low rate matters most here

With an SWP, a low or negative rate is not just a smaller number; it can exhaust the corpus years earlier, because you keep withdrawing while the balance falls. This is sequence risk, and it is exactly why the deliberately low scenario deserves your attention.

The figures are arithmetic at a steady assumed rate; real markets are not steady, which can be harder on an SWP than the illustration shows. See what is an SWP, and to plan a sustainable income, talk to us.

The information on this website is general and educational. It is not financial, tax, or legal advice, and not a recommendation for your situation. We try to keep it accurate and up to date, but it may contain errors or become outdated. Please verify important details from official sources, and consider your own circumstances, before acting.

Sources

Last verified: 2026-08-11

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