ToolFoxSWP Calculator
Find out how long a lump sum lasts under a fixed monthly withdrawal, or whether it can sustain withdrawals forever.
- Corpus lasts
- 22y 5m
- Sustainable withdrawal?
- No
- Balance after last full withdrawal
- ₹5,241
How it works
A Systematic Withdrawal Plan pulls a fixed amount out of an invested corpus every month while the remaining balance keeps earning returns. The calculator applies the monthly return to the balance and then subtracts the withdrawal, month after month, until the balance would go negative — that month count is how long the corpus lasts (capped at 100 years for display). If the withdrawal is less than or equal to the corpus's monthly earnings, the balance never shrinks and the plan is flagged sustainable indefinitely.
Example
A ₹10,00,000 corpus earning 8% per year comfortably supports a ₹5,000 monthly withdrawal forever, because 8%-per-year interest on ₹10,00,000 works out to about ₹6,667 a month — more than what is being withdrawn — so the balance keeps growing rather than depleting.
Frequently asked questions
What happens once the corpus runs out?
Withdrawals simply stop being possible — the calculator reports the exact number of months the full withdrawal amount could be paid before the balance would turn negative.
What does "sustainable" mean here?
It means your monthly withdrawal is at or below what the corpus earns in interest each month, so the balance holds steady or grows rather than shrinking over time.
Does this account for inflation?
No — withdrawals are modeled as a fixed rupee amount. In practice you may want to increase withdrawals over time to keep pace with rising costs.
Are returns guaranteed?
No. The calculator assumes a constant annual return for simplicity; real investment returns fluctuate month to month.
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