₹
₹
%
years
%
To keep up with inflation
Balance at the end
₹0
Fill in the details
Year-wise breakdown
Fill in the details to see the year-wise breakdown.
Plan a monthly income from your investments. See how long your corpus lasts and what is left at the end.
To keep up with inflation
Fill in the details to see the year-wise breakdown.
Each month a fixed amount is redeemed from your fund. The remaining balance stays invested and keeps earning returns. If returns exceed withdrawals, your corpus can last for life.
Example: ₹50 lakh with ₹30,000 a month withdrawn (7.2% a year) at 9% returns still has about ₹98.6 lakh left after 20 years, because returns outpace the withdrawals.
SWP from a debt or hybrid fund is often more tax-efficient, since only gains are taxed, not the whole withdrawal.
Balanced advantage, hybrid or debt funds are common choices because they are less volatile than pure equity.
Withdrawing during a fall sells more units, so keep 1–2 years of expenses in a safer fund to draw from.
These figures are estimates for planning only and are not financial advice. Actual returns, rates and charges depend on your bank, fund or scheme. Check the latest rates before you invest or borrow.