Systematic withdrawal plan — how long your corpus lasts
A systematic withdrawal plan takes a fixed amount out of your investment every month while the rest keeps growing. Each month the remaining balance grows at the monthly equivalent of your expected return, then the withdrawal is taken out. If withdrawals are larger than the growth, the corpus shrinks and eventually runs out; this tool shows when.
A common rule of thumb is withdrawing around 4 to 6 percent of the corpus per year, but the right level depends on returns, inflation and how long the money must last.
No. Market-linked funds go up and down. This calculator assumes a steady return, so treat the result as an estimate.
Each withdrawal is treated as a redemption of units, so capital-gains tax applies to the gain portion of each withdrawal.