Inputs
Enter corpus, planned withdrawal and expected annual return.
Illustrative only – ignores taxes, intra‑year volatility & fees.
Longevity
–
Total Withdrawn
₹0
Final Balance
₹0
If not depleted within 100 years it's treated as effectively sustainable at given assumptions.
iAbout SWP Planning
A Systematic Withdrawal Plan taps a corpus for income while remaining capital compounds. Sustainable withdrawals balance growth vs draw sequence.
How Simulation Works
Loop monthly: grow balance by monthly rate then subtract withdrawal. Record year‑end balances; stop when balance hits zero or 1200 months (100y).
Monthly rate ≈ annual / 12. Minor compounding precision differences don't materially change planning insight.
Interpreting Results
Longevity: Years & months corpus lasts. If >= 100 years treated as sustainable.
Total Withdrawn: Aggregate cash flows taken until depletion or simulation cap.
Final Balance: Residual corpus (0 if depleted).
Caveats
- Assumes constant return (ignores sequence risk).
- No tax, fees or inflation adjustments.
- Real-world returns vary; stress test with lower returns.