Year 1
- Monthly withdrawal
- ₹60,000
- Withdrawn
- ₹7,20,000
- Growth
- ₹7,69,167
- Corpus left
- ₹1,00,49,167
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Income from savings
Withdrawal plan (SWP)
See how long a corpus pays a monthly income that rises each year, and how much it can pay for as long as you need it.
Uses Indian household-planning assumptions. Changing currency changes the displayed units, not the underlying jurisdiction.
Describe the income
Raising it with inflation keeps the income worth the same. Enter 0 for a fixed amount.
Money you draw on is usually kept in lower-risk funds.
Used only to show the income in today's money.
Results update when an input changes. Review the key figures, projection and assumptions below.
The corpus pays ₹60,000 a month, rising 6% a year, for 16 years 6 months.
- Runs out before 30 years
- 13 years 6 months short
- Income runs out after 16 years 6 months
- Monthly withdrawal that lasts 30 years
- ₹37,235
- Starting amount, rising 6% a year
- Starting withdrawal rate
- 7.2% a year
- The first year’s withdrawals as a share of the corpus
- Withdrawal in year 30
- ₹3,25,103 a month
- Worth ₹60,000 a month in today's money
The balance after that year’s withdrawals and growth, until the corpus can no longer pay a full month.
- Corpus left
Year 17
- Monthly withdrawal
- ₹1,52,421
- Withdrawn
- ₹10,31,791
- Growth
- ₹18,919
- Corpus left
- ₹0
Select a year to see what was withdrawn and what remained.
View data tableReview the year-by-year withdrawals 17 rows
| Year | Monthly withdrawal | Withdrawn | Growth | Corpus left |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹7,20,000 | ₹7,69,167 | ₹1,00,49,167 |
| 2 | ₹63,600 | ₹7,63,200 | ₹7,71,250 | ₹1,00,57,217 |
| 3 | ₹67,416 | ₹8,08,992 | ₹7,69,933 | ₹1,00,18,158 |
| 4 | ₹71,461 | ₹8,57,532 | ₹7,64,730 | ₹99,25,356 |
| 5 | ₹75,749 | ₹9,08,983 | ₹7,55,102 | ₹97,71,475 |
| 6 | ₹80,294 | ₹9,63,522 | ₹7,40,456 | ₹95,48,409 |
| 7 | ₹85,111 | ₹10,21,334 | ₹7,20,135 | ₹92,47,211 |
| 8 | ₹90,218 | ₹10,82,614 | ₹6,93,415 | ₹88,58,012 |
| 9 | ₹95,631 | ₹11,47,571 | ₹6,59,498 | ₹83,69,939 |
| 10 | ₹1,01,369 | ₹12,16,425 | ₹6,17,503 | ₹77,71,017 |
| 11 | ₹1,07,451 | ₹12,89,410 | ₹5,66,464 | ₹70,48,071 |
| 12 | ₹1,13,898 | ₹13,66,775 | ₹5,05,315 | ₹61,86,611 |
| 13 | ₹1,20,732 | ₹14,48,781 | ₹4,32,886 | ₹51,70,716 |
| 14 | ₹1,27,976 | ₹15,35,708 | ₹3,47,892 | ₹39,82,900 |
| 15 | ₹1,35,654 | ₹16,27,851 | ₹2,48,921 | ₹26,03,970 |
| 16 | ₹1,43,793 | ₹17,25,522 | ₹1,34,424 | ₹10,12,872 |
| 17 | ₹1,52,421 | ₹10,31,791 | ₹18,919 | ₹0 |
Year 2
- Monthly withdrawal
- ₹63,600
- Withdrawn
- ₹7,63,200
- Growth
- ₹7,71,250
- Corpus left
- ₹1,00,57,217
Year 3
- Monthly withdrawal
- ₹67,416
- Withdrawn
- ₹8,08,992
- Growth
- ₹7,69,933
- Corpus left
- ₹1,00,18,158
Year 4
- Monthly withdrawal
- ₹71,461
- Withdrawn
- ₹8,57,532
- Growth
- ₹7,64,730
- Corpus left
- ₹99,25,356
Year 5
- Monthly withdrawal
- ₹75,749
- Withdrawn
- ₹9,08,983
- Growth
- ₹7,55,102
- Corpus left
- ₹97,71,475
Year 6
- Monthly withdrawal
- ₹80,294
- Withdrawn
- ₹9,63,522
- Growth
- ₹7,40,456
- Corpus left
- ₹95,48,409
Year 7
- Monthly withdrawal
- ₹85,111
- Withdrawn
- ₹10,21,334
- Growth
- ₹7,20,135
- Corpus left
- ₹92,47,211
Year 8
- Monthly withdrawal
- ₹90,218
- Withdrawn
- ₹10,82,614
- Growth
- ₹6,93,415
- Corpus left
- ₹88,58,012
Year 9
- Monthly withdrawal
- ₹95,631
- Withdrawn
- ₹11,47,571
- Growth
- ₹6,59,498
- Corpus left
- ₹83,69,939
Year 10
- Monthly withdrawal
- ₹1,01,369
- Withdrawn
- ₹12,16,425
- Growth
- ₹6,17,503
- Corpus left
- ₹77,71,017
Year 11
- Monthly withdrawal
- ₹1,07,451
- Withdrawn
- ₹12,89,410
- Growth
- ₹5,66,464
- Corpus left
- ₹70,48,071
Year 12
- Monthly withdrawal
- ₹1,13,898
- Withdrawn
- ₹13,66,775
- Growth
- ₹5,05,315
- Corpus left
- ₹61,86,611
Year 13
- Monthly withdrawal
- ₹1,20,732
- Withdrawn
- ₹14,48,781
- Growth
- ₹4,32,886
- Corpus left
- ₹51,70,716
Year 14
- Monthly withdrawal
- ₹1,27,976
- Withdrawn
- ₹15,35,708
- Growth
- ₹3,47,892
- Corpus left
- ₹39,82,900
Year 15
- Monthly withdrawal
- ₹1,35,654
- Withdrawn
- ₹16,27,851
- Growth
- ₹2,48,921
- Corpus left
- ₹26,03,970
Year 16
- Monthly withdrawal
- ₹1,43,793
- Withdrawn
- ₹17,25,522
- Growth
- ₹1,34,424
- Corpus left
- ₹10,12,872
Year 17
- Monthly withdrawal
- ₹1,52,421
- Withdrawn
- ₹10,31,791
- Growth
- ₹18,919
- Corpus left
- ₹0
Formula and assumptions
Formula: Each month the withdrawal is taken first, then the rest of the corpus grows for the month. The withdrawal rises once a year. The annual return is converted to an equivalent monthly rate.
- Only months in which the full withdrawal is paid are counted. A smaller final payment is not counted as income.
- The projection stops at 60 years.
- Returns are illustrative and constant, and before taxes and fund costs. Real returns vary, and a bad early year shortens how long a corpus lasts.
Value basis: nominal unless a result explicitly says “today’s money” or “inflation-adjusted.”
Calculator version swp-1
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