SWP Calculator — See How Long Your Money Actually Lasts

Building a corpus is only half the plan. We built a withdrawal calculator directly into our SIP and Lumpsum tools, so you can see how long it actually lasts — without leaving the page.

The Question Every Corpus Projection Should Answer Next

Seeing your SIP grow to a large number is satisfying — but the real planning question is what happens when you start drawing from it. We built the withdrawal calculator directly beneath our SIP and Lumpsum tools, auto-filled with your projected corpus, so this next question gets answered without navigating anywhere else.

What You Can Adjust

• Starting corpus — auto-filled from your SIP/Lumpsum projection, or set your own
• Monthly withdrawal amount
• Expected return during the withdrawal phase
• Annual step-up on the withdrawal — to simulate rising costs over time

Why the Step-Up Setting Changes the Answer So Much

A fixed monthly withdrawal against a corpus earning a real return can often sustain itself indefinitely, since the growth keeps pace with a constant drawdown. Add even a modest annual step-up to keep pace with rising costs, and the corpus depletes meaningfully faster — in one realistic test case (₹1 crore corpus, ₹60,000/month, 10% return), adding a 5% annual step-up cut the sustainable duration from indefinite to roughly 25 years. This is the single input most worth getting right for your own plan.

Try It With Your Own Numbers

If you're already using our SIP or Lumpsum calculator, scroll down — the SWP section is right there, pre-filled with your own projected corpus.