See how it works
Lumpsum SWP calculator
Invest once, take money out every month, and see how long it lasts.
Change a number and watch what happens. This is a teaching tool: the answer is an illustration, not a promise.
How it works, with an example
Ravi's story
Meet Ravi. He is 60 years old and invests ₹50,00,000 once today.
Every month Ravi takes out ₹25,000 to live on. Every year he raises it by 6% (inflation), because prices rise.
His money that is still invested grows about 8% a year.
After 15 years, Ravi has taken out ₹69,82,791 and still has ₹38,06,023 left.
Now it is your turn. Change the numbers below to see your own plan.
- Ravi invests
- ₹50,00,000
- Ravi takes out
- ₹69,82,791
- Money left
- ₹38,06,023
Your answer
If you invest ₹50,00,000 once and take out ₹25,000 every month, raised 6% every year, for 15 years:
After 15 years you still have
₹38,06,023
at age 75, after taking out ₹69,82,791
Worked out at an assumed return of 8% a year
Good news: your money lasts all 15 years. You still have ₹38,06,023. If you leave it invested, it can keep growing.
- You take out
- ₹69.83 L
- Money left
- ₹38.06 L
- Taken in year 1
- 6% of your money
- Age today
- 60 years
- Invested once
- ₹50,00,000
- Years of withdrawals
- 15 years
- Monthly amount
- ₹25,000
- Yearly price rise
- 6% a year
- Assumed return
- 8% a year
How your money changes
- Money you still have
Year by year
| Age | Monthly withdrawal | Rise for inflation | Taken out so far | Money left at year end |
|---|---|---|---|---|
| 61 | ₹25,000 | Start | ₹3,00,000 | ₹50,89,153 |
| 62 | ₹26,500 | +₹1,500 (6%) | ₹6,18,000 | ₹51,66,787 |
| 63 | ₹28,090 | +₹1,590 (6%) | ₹9,55,080 | ₹52,30,862 |
| 64 | ₹29,775 | +₹1,685 (6%) | ₹13,12,385 | ₹52,79,107 |
| 65 | ₹31,562 | +₹1,787 (6%) | ₹16,91,128 | ₹53,08,998 |
| 66 | ₹33,456 | +₹1,894 (6%) | ₹20,92,596 | ₹53,17,735 |
| 67 | ₹35,463 | +₹2,007 (6%) | ₹25,18,151 | ₹53,02,211 |
| 68 | ₹37,591 | +₹2,128 (6%) | ₹29,69,240 | ₹52,58,988 |
| 69 | ₹39,846 | +₹2,255 (6%) | ₹34,47,395 | ₹51,84,264 |
| 70 | ₹42,237 | +₹2,391 (6%) | ₹39,54,238 | ₹50,73,836 |
| 71 | ₹44,771 | +₹2,534 (6%) | ₹44,91,493 | ₹49,23,063 |
| 72 | ₹47,457 | +₹2,686 (6%) | ₹50,60,982 | ₹47,26,827 |
| 73 | ₹50,305 | +₹2,847 (6%) | ₹56,64,641 | ₹44,79,488 |
| 74 | ₹53,323 | +₹3,018 (6%) | ₹63,04,520 | ₹41,74,832 |
| 75 | ₹56,523 | +₹3,199 (6%) | ₹69,82,791 | ₹38,06,023 |
Your monthly amount goes up 6% every year (inflation), so it keeps buying the same things.
Illustration only. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
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Free. 30 minutes. No obligation. No pressure to invest. Your result goes into the message.
You see the message first, and can change it. Gunasekaran replies Mon–Sat, 10:00–18:00 IST.
The answer updates as you type. Open the report to see the full plan and download it as a PDF. The result is an illustration, not a promise.
Your numbers
The age you are when you start taking money out.
Taken out on the last day of every month.
Prices rise every year, so you will need more each month. We raise your monthly amount by this much every year. At 6%, ₹25,000 becomes ₹26,500 next year.
A made-up rate for illustration, not a forecast. Real returns can be lower, or negative.
Common questions
An SWP means you invest a lump of money once, and then take a fixed amount out of it every month. In the example, Ravi invests ₹50,00,000 and takes out ₹25,000 every month.
Read: What is an SWP, with an example →Every month your money grows a little, and then your monthly amount is taken out. If you raise the monthly amount each year, it keeps up with rising prices. In the example, Ravi takes out ₹69,82,791 over 15 years, and ₹38,06,023 is left.
Read: How long will your SWP money last →There is no single right amount. The smaller the share of your money you take out in the first year, the longer it is likely to last. The calculator shows this share as "Taken in year 1". Try a few amounts and see how long your money lasts.
Read: Three examples with the same ₹50 lakh →No. The numbers do not include tax, exit load or fund costs, and these can reduce the money you have. Ask a qualified tax professional how withdrawals from a mutual fund are taxed for you.
No. Mutual fund returns are not guaranteed, and the value of your investment can go up or down with the market. Read all scheme related documents carefully and consider your own situation before you invest.