Remaining corpus
—
Remaining corpus over time
Track how withdrawals draw down your corpus while returns replenish it.
| Year | Withdrawal | Interest | Corpus |
|---|---|---|---|
| Run a calculation to see the yearly schedule. | |||
Also calculate
Switch tools without leaving your flow.
SIP Calculator
Plan regular mutual fund SIPs with charts and yearly breakdown.
Open calculator →
Lumpsum Calculator
Project one-time mutual fund investments over your chosen tenure.
Open calculator →
FD Calculator
Estimate fixed deposit maturity, interest, and effective yield.
Open calculator →
Dividend & Dividend Yield Calculator
Find your dividend payout and the yield % on the current share price.
Open calculator →
Turning a corpus into regular income
A Systematic Withdrawal Plan redeems a fixed amount from a mutual fund at regular intervals while the rest of the balance stays invested. It is the standard way to draw retirement income from accumulated savings, and the standard way to run out of money early if the withdrawal rate is set by what you would like to spend rather than what the corpus can support.
How the month-by-month model works
Each month the corpus grows by the effective monthly return, and then the withdrawal is deducted. That ordering matters: withdrawals come out of a balance that is still working, so the corpus can hold steady or even grow while you are drawing from it — provided the withdrawal stays below the returns. When it does not, the balance declines a little faster every month, because each withdrawal leaves less capital to generate the next month's return.
The exhaustion warning
If the plan would run the balance to zero before your chosen end date, this page says so and names the approximate month. That is the output worth paying attention to. Reducing the monthly withdrawal by a modest amount often extends the plan by years, because the effect compounds in your favour just as steeply as it works against you.
To build the corpus in the first place, use the SIP calculator or the lumpsum calculator. There is no expense ratio input here — lower the expected return slightly to approximate the fund's fee.
FAQ
SWP calculator FAQs
What is a SWP?
A Systematic Withdrawal Plan redeems a fixed amount from a mutual fund at regular intervals while the remaining balance stays invested. Investors typically use one to draw retirement income from a corpus built up through SIPs or a lump sum.
How much can I safely withdraw?
The withdrawal has to stay comfortably below the return the corpus earns, or the balance shrinks. Rather than adopting a rule of thumb, enter your own figures here and check whether the corpus survives the horizon — then lower the withdrawal until it does with room to spare.
When does the corpus run out?
When withdrawals consistently exceed growth, the balance falls faster each month because there is less capital left to earn returns. If that happens before your end date, this page flags it and names the approximate month.
What if markets fall early in the plan?
That is the main risk a constant-return model cannot show you. Withdrawing a fixed amount from a corpus that has just dropped sells more units at low prices, and the plan may not recover even if average returns turn out fine. Keeping a year or two of withdrawals in something stable is the usual defence.
Why is there no expense ratio input?
This model focuses on withdrawal sustainability. Lower the expected return a little — by roughly the fund fee — to account for it without adding another input.
How do I plan the accumulation stage?
Build the corpus with the SIP calculator or the lumpsum calculator, then bring the resulting figure here as the starting balance to model the income stage.