SWP Calculator
How long a corpus lasts under monthly withdrawals, with an optional yearly increase
The Corpus Lasts
Over 100 years
- Withdrawn in 20 yrs
- ₹72,00,000
- Returns Earned
- ₹90,45,597
- Balance after 20 yrs
- ₹68,45,597
At one assumed return. Real returns vary, and a poor first few years matter most.
Summary
- Corpus
- ₹50,00,000
- First monthly withdrawal
- ₹30,000
- Withdrawal rate, first year
- 7.2%
- Return the corpus earns in its first month
- ₹33,333
- Balance after 20 years
- ₹68,45,597
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How this is calculated
Formula
balanceₘ = (balanceₘ₋₁ − W) × (1 + i)
- W
- = the month’s withdrawal, taken at the start of the month
- i
- = monthly rate = annual rate ÷ 12 ÷ 100
With your numbers
- 1Monthly ratei = r ÷ 12 ÷ 1008.0% ÷ 12 ÷ 100 = 0.006667
- 2First month(corpus − W) × (1 + i)(₹50,00,000 − ₹30,000) × 1.006667 = ₹50,03,133
- 3Repeated until a withdrawal can no longer be paid in fullW stays levelThe corpus lasts over 100 years.
- This is the SIP formula run backwards: with a level withdrawal, the balance after n months is the corpus grown for n months minus what a SIP of the same amount would have grown to.
- Tax is not deducted. Withdrawals from a mutual fund are part capital, part gain; only the gain is taxed, at the rate for its holding period.
Frequently Asked Questions
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