Wealthino Ventures Private Limited

SWP Calculator

Draw a monthly income from a lump sum and see what is left at the end. More usefully, it answers the question every retiree actually asks — will the money last?

Your withdrawal plan

Type a figure or drag the slider — everything updates instantly.

Total investment The lump sum you start with

₹

₹0₹10 Cr

Withdrawal per month The income you take

₹

₹0₹5,00,000

Expected return Effective

% p.a.

Time period

yrs

Increase withdrawal yearly Keeps income up with prices

% p.a.

0% (flat)12%

When is the withdrawal taken? Affects one month of growth

End of month Start of month

Inflation assumption To show today’s value

% p.a.

What is left

Figures assume the return is earned smoothly, which real markets never do.

Final value

₹0

Total investment

₹0

your starting capital

Total withdrawal

₹0

Returns earned

₹0

Final value in today’s money

₹0

Is this withdrawal safe?

Every corpus has two thresholds. Below the first, it keeps growing. Above the second, it runs dry before your time period ends. Here is where yours sits.

What happens to the corpus

Above the dashed line your capital is intact. Below it, you are eating into it.

Corpus balance Starting capital

Year-by-year breakdown

Useful for review meetings — it shows whether the corpus is holding its ground.

Year	Opening balance	Withdrawn	Returns earned	Closing balance	% of capital left