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Finance Calculators

SWP Withdrawal Planner

See how a monthly systematic withdrawal (SWP) amount holds up against your corpus, simulated the same way as the Retirement Planner.

Part of the Retirement journey · step 5 of 7 · See the full map →

The lump sum you'll draw down from, e.g. 1 Cr or 10000000.

How much you plan to withdraw each month, e.g. 50,000.

Your next decision

Should I lock in an annuity or stay invested?Compare this against locking in a guaranteed annuity insteadWhat happens to my EPF/NPS when I retire?See what happens to your EPF/NPS balance at retirement

Frequently Asked Questions

Why does this use a fixed Balanced allocation instead of letting me choose?
This tool is meant to be a quick withdrawal-rate check, not a full plan — it fixes a 50% equity / 30% debt / 20% FD split with typical India return assumptions. For full control over allocation, taxes, income, and more, use the Retirement Planner.
What do the "withdraw a bit more or less" numbers show?
The same simulation run at 80% and 120% of your requested monthly amount, so you can see how sensitive your odds are to the withdrawal rate — a small change in monthly SWP often makes a large difference to your odds.
Is this the same simulation as the Retirement Planner?
Yes — the exact same 1,000-path Monte Carlo engine, just entered from a "how much can I withdraw monthly" angle instead of an annual expense figure, and with the allocation fixed rather than chosen.