SWP Calculator (Systematic Withdrawal Plan)
Simulate monthly cash flow generation from a mutual fund and track safe withdrawal corpus lifetime.
💡 Motto: We don't tell what to pick, we tell how to pick.
Investment Settings
Initial Corpus
₹
₹1L₹5 Crore
Desired Monthly Pension
₹
₹5K₹5L / Mo
Expected Yield (p.a.)
%
4%18%
SWP Horizon
Yrs
5 Yrs40 Yrs
Expected Inflation Rate
%
3%12%
⚠️ Alert: Corpus Depleted PrematurelyYour withdrawal rate is unsustainably high for this return yield. Your retirement nest egg ran completely dry in **Year 20**. Reduce your withdrawal amount or increase your equity yield allocation.
Initial Principal
₹50,00,000
Total Pension Paid Out
₹1,18,43,813
Remaining Balance
₹0
SWP Wealth Exhaustion Curve Map
Educational Concept: Safe Withdrawal Limits
Generating post-retirement income requires setting a safe withdrawal rate. If you withdraw **more than 4% to 5%** of your initial capital annually (while adjusting for inflation), your corpus faces a high risk of depletion (sequence of returns risk) during market downturns. SWP simulators teach you how to set sustainable withdrawal levels to prevent running out of money in old age.