Reva Money · Calculators · SWP calculator
See how long a corpus lasts when you take out a fixed amount every month, and the most you can take without touching the principal.
| Corpus | ₹1.00 Cr |
|---|---|
| Monthly withdrawal | ₹75,000 |
| Expected return a year | 8% |
| Your corpus lasts | 27 years 7 months |
| Taken out in total | ₹2.48 Cr |
| Monthly amount that keeps the corpus whole | ₹66,667 |
A systematic withdrawal plan takes a fixed amount out of a fund every month while the rest stays invested.
The calculator grows the balance monthly at the return you choose and subtracts the withdrawal each month until the money runs out. It doesn’t raise the withdrawal for inflation; the retirement calculator does.
Formula: Each month: Balance = Balance × (1 + r ÷ 12) − Withdrawal, until the balance falls below zero.
At 8% a year, about 27 years 7 months.
About the corpus × the yearly return ÷ 12. On ₹1 crore at 8%, that is about ₹66,667 a month, before inflation and tax.
Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.