Plan how long your mutual fund corpus will last — or find the
maximum amount you can withdraw each month without running out.
What do you want to find?
Enter your corpus, return rate & monthly withdrawal → find how
many years it lasts.
Enter your corpus, return rate & desired duration → find the
maximum monthly withdrawal.
Rs 1LRs 10 Cr
0.1%40%
Rs 1,000Rs 20L
1 yr50 yrs
Corpus Lasts
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—
Duration
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—
Total Withdrawn
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—
Interest Earned
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—
✨ Your withdrawal is ≤ monthly interest — corpus will
never deplete. You are living purely off returns.
Corpus Balance Over Time
How your invested corpus shrinks with each withdrawal
Annual Withdrawal vs Interest Earned
Year-by-Year Withdrawal Schedule
Year
Opening Balance
Withdrawn
Interest
Closing Balance
Frequently Asked Questions
What is an SWP?
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A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed
amount every month from your invested corpus. The remaining
amount continues to earn returns, extending how long the fund
lasts. It is the reverse of a SIP.
What return rate should I use?
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For conservative corpus parked in money market funds, use
12–15%. For balanced funds, 18–20%. For equity funds, 22–28%.
Using a lower rate gives you a safety margin.
What happens if I withdraw more than the monthly interest?
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Your corpus shrinks each month. The calculator shows exactly
how many years it will last. If your withdrawal equals or is
less than the monthly interest earned, the corpus never
depletes — you live purely off the returns.
How is monthly interest calculated?
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Monthly interest = Corpus × (Annual Rate ÷ 12 ÷ 100). The
closing balance each month = Opening balance × (1 + monthly
rate) − withdrawal amount.