Withdraw a fixed amount monthly from your corpus and see the balance over time and how long the money lasts.
| Input | Result |
|---|---|
| ₹10,00,000 · 8% · ₹8,000/mo · 10 yrs | ₹7,56,072 after 10 years |
| ₹5,00,000 · 6% · ₹5,000/mo · 5 yrs | ₹3,25,575 after 5 years |
| ₹5,00,000 · 6% · ₹8,000/mo · 10 yrs | Corpus depleted in month 76 (6.3 years) |
A Systematic Withdrawal Plan is the mirror of a SIP: you invest a lump sum (usually in a mutual fund) and withdraw a fixed amount every month while the rest stays invested and keeps earning.
A common rule of thumb is the 4% rule — withdrawing about 4% of the corpus per year, adjusted for inflation. If your monthly withdrawal is below the monthly growth (corpus × rate ÷ 12), the corpus never depletes in this model.
No — this is a constant-return estimate. Real returns vary year to year and withdrawals may be taxed. Treat the result as a planning figure, not a guarantee.