Goal-led plan
What SWP Is Safe for a ₹1 Crore Corpus?
This scenario asks how much you can withdraw each month from a ₹1 crore corpus without depleting it before 25 years. It uses a balanced post-fee return assumption and modest annual payout increases.
Direct answer
₹48,582 monthly
Assumes 7.0% p.a., monthly compounding, and 6% inflation for Reality check.
In today’s money: ₹45,760 first-year purchasing power.
This calculator provides estimates for planning purposes only.
Why these assumptions
Time, return, and inflation assumptions drive the result. If markets deliver less than 7.0%, the monthly number goes up. If you extend the timeline beyond 25 years, the required contribution or payout pressure drops.
Reality check keeps an inflation-adjusted line visible so you can judge purchasing power. No taxes or fees are included in these projections.
Adjust the scenario
Inputs are prefilled to match the question. Change return, timeline, or step-up to see how the monthly amount shifts.
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
₹2,41,54,370.0 withdrawn
25 yrs at 7.0% p.a. • Step-up 4.0% • Corpus remaining ₹0
Today’s value withdrawn: ₹54,09,750 (54.1 L)
Corpus remaining
₹0 (0)
Today’s corpus
₹0 (0)
Total withdrawn
₹2,41,54,370.0 (2.42 Cr)
Today’s withdrawn
₹54,09,750 (54.1 L)
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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.
Decision guidance
- If markets underperform, reduce the annual increase or the starting payout.
- A lower return assumption (6%) is safer; compare both before deciding.
- Keep Reality check on to view today’s value of the monthly payout.