SWP Calculator · NEW
How long will your money last?
Systematic Withdrawal Plan — pull a fixed monthly amount from your corpus while the rest keeps growing.
Your corpus lasts
Total withdrawn over the period: ₹1,07,60,000 (₹1.08 Cr)
Months it lasts
Total withdrawn
₹40,000/mo
Earnings vs corpus
multiplier on principal
Corpus drawdown over time
To make this perpetual, either grow your corpus to ₹60.0 L, or reduce monthly withdrawals to ₹33,333.
Withdrawal rate of 9.60% per year. The 4% rule says ≤ 4% annual is “safe” for 30+ years.
A 1% lower return shortens the runway by 3 years — being conservative on returns matters more than picking the perfect fund.
How this page is produced
Every figure above is computed from the inputs you set above — your corpus growing at your assumed return each month while a fixed amount is withdrawn, until it is exhausted or growth outpaces the withdrawal. The full method is published, including its limitations.
Two limits worth knowing. The withdrawal is held flat for the whole period, while real expenses rise — a plan that lasts 25 years here will last meaningfully fewer years once the withdrawal grows with inflation, which you can size in the inflation calculator. And the return is applied evenly month after month; a real corpus that falls 30% early in the withdrawal phase empties far sooner than this chart suggests, because every withdrawal during the fall sells units cheap. The crash history shows how deep those falls have been.
Written and maintained by Azad Mohammed, who wrote the model behind this tool. Found an error? Tell us — corrections are made and the page rebuilds within the hour.
The numbers on this page are a projection from the assumptions you chose, not a forecast and not a promise — a real fund does not return the same percentage every year, and no calculator can know what yours will do. It is not investment advice and not a recommendation to buy or sell any scheme. Arthkar is not a SEBI-registered investment adviser and does not provide or arrange investment advice. Mutual fund investments are subject to market risk; read all scheme related documents carefully.