SWP explained: regular withdrawals are not guaranteed income
Understand how an SWP redeems your investment, why capital can decline, and how to read corpus-depletion warnings before planning withdrawals.
3 min read
PLAN WITH MORE CLARITY
Retirement calculator
Estimate a retirement corpus and an illustrative monthly SIP, allowing for rising expenses and separate returns before and after retirement.
Make it your own
years
18 years75 years
years
25 years80 years
years
50 years105 years
₹
₹1k₹10.0L
₹
₹0₹10.0Cr
%
0%15%
%
-10%20%
An illustration, not a promised return.
%
-10%20%
An illustration, not a promised return.
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Illustrative retirement corpusIllustration only
Monthly SIP to bridge the gap₹57,484
First monthly expense at retirement₹2,14,594
Projected existing savings₹54,17,353
Illustrative valueContributions
This model excludes pension, rental income, taxes, healthcare shocks and a legacy reserve. Review your full retirement cash flows before acting.
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
Current expenses are inflated until retirement. The required corpus is the present value, at retirement, of each future month-end expense; expenses then rise monthly with inflation through the selected planning age.
Existing savings are projected to retirement. A beginning-of-month SIP is estimated for the remaining corpus gap. Pension, rent, taxes, healthcare shocks, legacy goals and other income are not included.
Retirement age must be greater than your current age, and the planning age must be greater than retirement age. A constant return and chosen planning age cannot guarantee lifetime income.
A FEW USEFUL ANSWERS
Before you make a plan
It is a starting illustration. Longevity, taxes, market losses, healthcare and income sources need a personalised review.
This calculator does not model those cash flows. Discuss their reliability, inflation linkage and tax treatment before reducing the investment corpus you plan for.
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