STP
Move money from one fund to another in regular instalments and see where each part ends up.
Mutual funds
SWP calculator
See how long your money lasts when you withdraw a fixed amount every month.
a month
%
Use 0 to keep it the same.
%
Your assumption, not a quote. Past returns do not set what comes next.
years
Monthly rate
Starting with ₹50,00,000 and taking ₹30,000 a month at an assumed 8% a year: The money lasts beyond the 20 years you looked at, with ₹68.46 lakh still left. In all you take out ₹72 lakh.
- Money you start with
- ₹50,00,000≈ ₹50 lakh
- Growth on your money
- ₹90,45,597≈ ₹90.46 lakh
- Total withdrawn
- ₹72,00,000≈ ₹72 lakh
- Balance at the end
- ₹68,45,597≈ ₹68.46 lakh
- How long it lasts
- Beyond 20 yearsThe money lasts beyond the 20 years you looked at, with ₹68.46 lakh still left.
How much can it pay?
The most you could take each month for the whole period, on the return you assumed.
Your ₹30,000 a month is within what the money could pay. Up to ₹41,545 a month would last the full 20 years, which is 10.0% of the money each year, before the yearly rise you set.
The balance, year by year
Tap or hover the chart, or use the slider, to read any year.
- Balance left
- Total withdrawn so far
After 20 years
Balance left
₹68,45,597
Total withdrawn so far
₹72,00,000
Year-by-year table
| Year | Balance left | Total withdrawn so far |
|---|---|---|
| 0 | ₹50,00,000 | ₹0 |
| 1 | ₹50,39,010 | ₹3,60,000 |
| 2 | ₹50,81,257 | ₹7,20,000 |
| 3 | ₹51,27,011 | ₹10,80,000 |
| 4 | ₹51,76,563 | ₹14,40,000 |
| 5 | ₹52,30,227 | ₹18,00,000 |
| 6 | ₹52,88,346 | ₹21,60,000 |
| 7 | ₹53,51,288 | ₹25,20,000 |
| 8 | ₹54,19,455 | ₹28,80,000 |
| 9 | ₹54,93,279 | ₹32,40,000 |
| 10 | ₹55,73,231 | ₹36,00,000 |
| 11 | ₹56,59,819 | ₹39,60,000 |
| 12 | ₹57,53,593 | ₹43,20,000 |
| 13 | ₹58,55,151 | ₹46,80,000 |
| 14 | ₹59,65,137 | ₹50,40,000 |
| 15 | ₹60,84,253 | ₹54,00,000 |
| 16 | ₹62,13,255 | ₹57,60,000 |
| 17 | ₹63,52,965 | ₹61,20,000 |
| 18 | ₹65,04,270 | ₹64,80,000 |
| 19 | ₹66,68,133 | ₹68,40,000 |
| 20 | ₹68,45,597 | ₹72,00,000 |
Where the money goes
Tap a segment to see its rupees.
Taken out so far₹72 lakh51% of total
Over the period you take out ₹72,00,000 and ₹68,45,597 is left.
What next
How it works
A systematic withdrawal plan takes a fixed amount out of your investment every month. What is left keeps growing at the return you assume. The calculator repeats that month by month until the money runs out or the period ends.
Each month: balance = (balance - withdrawal) x (1 + i)
If you raise the withdrawal every year, the withdrawal in year k is the starting amount times (1 + raise) to the power (k - 1).
A worked example
Start with ₹50,00,000, withdraw ₹30,000 a month, and assume 8 a year for 20 years. The money lasts beyond the 20 years, with ₹68,45,597 still left. Withdrawing ₹60,000 a month instead runs out after 10 years 1 month.
What it leaves out
- Tax on the gains in each withdrawal.
- Exit load and fund charges.
- Ups and downs in the market. A bad early stretch can drain a corpus faster than a steady return suggests.
- Inflation, other than the optional yearly raise you enter.
Questions people ask
How long will my money last?
The page answers that for the return and withdrawal you enter. If the money lasts beyond the period you chose, it says so instead of inventing an end date. Because real returns vary, it is useful to test a lower return as well.
What is a safe withdrawal amount?
This page cannot say. It shows what happens at the numbers you type. Try a lower return than you expect and see whether the money still lasts.
Why does a higher return help so much?
The money left in the fund earns the return every month, so a higher return pays for part of each withdrawal. A small change in the rate can add or remove many years.
Why add a yearly raise?
Prices rise over time, so a fixed withdrawal buys less each year. The yearly raise lets you model withdrawals that keep up with a rate you choose.
Is tax included?
No. Each withdrawal contains some capital and some gain, and the gain part can be taxed. This calculator does not model that.