How long your corpus lasts with monthly withdrawals
₹50,00,000
₹
₹30,000
₹
9%
%
Hybrid funds 9–11%; debt funds 7–8%
Total Withdrawn Before Corpus Depletes
₹2,16,00,000
+₹60 years it lasts
Total Withdrawn₹2,16,00,000
Years It Lasts₹60
Extra Months₹0
Final Balance₹22,09,89,873
What this means for you
The "4% rule" is the safe benchmark: withdraw ≤4% of corpus annually for indefinite sustainability. SWP from equity funds is more tax-efficient than FD interest — each withdrawal is part capital (untaxed) + part LTCG (12.5% above ₹1.25L/yr).
Assumes constant return. Sequence-of-returns risk (early market crash) can shorten actual duration significantly.
Standard SWP simulator (FY 2026-27)
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Formula & SourceSWP Calculator
Each month: balance = balance × (1 + R/12/100) − W
Loop until balance ≤ 0 (or 60-year cap).
If monthly return ≥ withdrawal rate, corpus can last indefinitely.
Source: Standard SWP simulation; "4% rule" (Trinity Study adapted)
Frequently Asked Questions
Yes — much better than FD interest. Each withdrawal is treated as part capital (untaxed) + part LTCG (12.5% above ₹1.25L/yr from equity funds).
Withdraw 4% of corpus in year 1, then increase with inflation. Historically safe for 30+ years in mixed equity/debt portfolios.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
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Yes — every calculator is verified for FY 2026-27 (post Finance Act 2025). The "Last reviewed" stamp at the bottom of every page tells you when the math was last re-checked. If you spot an out-of-date number, write to us at /contact.