Financial Calculators

🏦SWP Calculator

Estimate how your withdrawals impact your corpus over time, based on expected returns. Uses a conservative order: withdraw first, then earn return on remaining corpus.

⚙️ Inputs

Calculator

💰Starting Corpus₹ 10,00,000

₹

💡 Total amount available to withdraw from

🧾Monthly Withdrawal₹ 10,000

₹

💡 Withdrawal happens at the start of each month

📈Expected Annual Return (%)10.00%

% p.a.

💡 Assumes monthly compounding (approx.)

📅Withdrawal Period (Years)10 years

💡 Check if corpus lasts the full period

📌Inflation (%)0.00%

% p.a.

💡 Note: Inflation in India is 6% currently

🪜Step-up Withdrawal

💡 Increases your withdrawal once every 12 months

Annual Step-up (%)5.00%

% / yr

📊 Results

Summary

🎯 Remaining Corpus (End)

₹ 0

—

💸 Total Withdrawn

₹ 0

—

⏳ Corpus Lasted

—

💡 How this works: Each month, withdrawal happens first, then the remaining corpus grows by the monthly return. If step-up is set, the withdrawal increases once every 12 months.

🧩 Visual Breakdown

Withdrawn vs Remaining

remaining

Total Withdrawn

₹ 0

Remaining Corpus

₹ 0

💡 If the corpus runs out early, remaining will show as ₹0.

📅 Year by Year

Yearly Breakdown

Each row shows the corpus at the start and end of the year, what was withdrawn that year, growth earned, and the monthly withdrawal amount applicable for that year after inflation adjustment.

Year	Opening Balance	Withdrawn	Growth	Closing Balance	Monthly Withdrawal (that year)

💡 The "Monthly Withdrawal" column shows the actual amount withdrawn each month in that year, stepped up by inflation annually. At 0% inflation it stays constant throughout.