SWP preset
SWP Calculator for ₹50,000 Monthly Withdrawal
If you need ₹50,000 per month from your investments, this preset shows how a mid-sized corpus behaves when withdrawals rise each year. It is meant for retirees balancing equity and debt exposure.
Assumptions used
- Annual compounding with monthly withdrawals before growth
- Constant expected returns (pre-tax) for planning
- Optional inflation adjustment at 6% by default
- No taxes, exit loads, or fees included unless stated
- Withdrawals taken monthly before growth is applied
- Returns assumed constant at 8% p.a., compounded monthly
- Annual withdrawal step-up applied once per year
Model withdrawals with this preset
Values are prefilled for this scenario. Adjust return, payout step-up, or timeline to see how sustainability shifts. Reality check keeps an inflation-adjusted line visible.
SWP / Retirement
Plan monthly withdrawals from your corpus
Model a monthly payout, optional yearly increase, and see how long your corpus lasts - plus today’s value.
Corpus & payout
SWP controlsCorpus amount
Total investible corpus
Monthly withdrawal
Monthly payout to you
Returns & duration
Uses 6.0% inflation for today’s value.
Outcome
₹96,44,319 withdrawn
20 yrs at 8.0% p.a. • Step-up 6.0% • Corpus remaining ₹0
Today’s value withdrawn: ₹29,13,512 (29.1 L)
Corpus remaining
₹0 (0)
Today’s corpus
₹0 (0)
Total withdrawn
₹96,44,319 (96.4 L)
Today’s withdrawn
₹29,13,512 (29.1 L)
Loading chart…
How to read & safety notes
How to read this
- Corpus grows monthly; we deduct your payout then grow the remainder.
- Withdrawal increases once a year by the step-up you choose.
- Today’s value uses your inflation assumption for realistic payouts.
- If corpus hits zero, we note the month of exhaustion.
How to read the result
A ₹50k payout can pressure smaller corpuses when returns dip. Check the Today’s value line to see if the payout still meets expenses after inflation.
If expenses track higher inflation, consider reducing the annual payout increase or targeting a larger starting corpus.
This calculator provides estimates for planning purposes only.