An estimate only — starting values are filled in, change them to yours. Nothing you type leaves this page.
What it is
An SWP (systematic withdrawal plan) pays you a fixed amount every month from an invested sum, while the rest stays invested. It is a common way to draw income after retirement.
How it's worked out
Each month the balance grows by the return ÷ 12, then the withdrawal comes out. With the inflation raise on, the withdrawal goes up by that % every year. If the balance cannot cover a month, that is when the money runs out.
What each input means
- Total Corpus: The sum you start withdrawing from.
- Monthly Withdrawal: How much you take out every month.
- Expected Return Rate (p.a.): The yearly growth % you expect. Markets go up and down, so this is a guess.
- Time Period: For how many years.
- Inflation-adjusted Withdrawals: Turn on to raise the monthly payout by this % every year, so it keeps up with prices.
Good to know
Taking out more than the money earns eats into the principal. A yearly rate of about 4–5% of the starting sum is often seen as sustainable. Each withdrawal is partly a sale of units, so gains in it can be taxed.
A quick example
₹50 lakh earning 8%, taking ₹30,000 a month: it lasts the full 20 years and still grows, because the payout is below what the money earns.
This calculator is in the Lekhya app too — offline, no account, and pre-filled from what you track, like your PPF, EPF and NPS. Nothing leaves your phone.
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