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If you withdraw a fixed amount every month, how long will your corpus last?
An educational estimate assuming a steady return and a fixed monthly withdrawal. Real returns vary, and a bad early sequence of returns can shorten how long the corpus lasts.
Use the retirement calculator to size the corpus you'll draw down.
In short
This calculator simulates a Systematic Withdrawal Plan: you start with a corpus, withdraw a fixed amount every month, and the rest keeps earning a monthly return. It shows how long your money lasts, or what balance remains after a set period.
Only if returns are steady. A market fall in the early years, combined with fixed withdrawals, can exhaust a corpus much faster than the average return implies — this is sequence-of-returns risk.
No. An annuity pays a guaranteed amount; an SWP draws from your own market-linked corpus, so the payout is only as durable as the corpus and its returns.
No. Each withdrawal is a partial redemption and may attract capital-gains tax, so your net cash in hand is lower.
Basis for the “subject to market risks” framing; an SWP is a facility to withdraw, not a guaranteed income product.
Investor-corner explainers on SWP and mutual-fund risk disclosures.
This tool gives you a number. These free WealQuest lessons explain the idea it rests on — in English and हिंदी, no sign-up.
This explains the maths behind the tool so you can trust the number. It is educational information, not financial advice.