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
SWP calculator
Model regular withdrawals from a corpus, see the remaining balance, and check whether the money runs out under your assumptions.
Make it your own
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₹1k₹10.0Cr
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₹500₹5.0L
years
1 year40 years
%
-10%20%
An illustration, not a promised return.
%
0%15%
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Illustrative remaining corpusIllustration only
Total withdrawn₹36,00,000
Starting corpus₹25,00,000
Remaining corpusCumulative withdrawals
Withdrawals can include your own capital. This is not a guaranteed income plan; market losses can cause earlier depletion.
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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
The balance first earns one month of the assumed effective annual return, then the withdrawal is taken at month end. The withdrawal amount increases after every 12 months if an increase is selected.
When available money is insufficient, the final withdrawal is partial and the corpus is marked depleted. Future withdrawals stop. Real-world redemptions also depend on market values, tax, exit loads and settlement.
A smooth return path cannot capture sequence-of-returns risk. Losses early in a withdrawal period can materially change the outcome.
A FEW USEFUL ANSWERS
Before you make a plan
No. It is a schedule of redemptions. A withdrawal can include your invested capital and can reduce or exhaust your corpus.
A fixed return is only a modelling simplification. You should also consider poor early returns, inflation, unexpected expenses and a suitable reserve.
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