Higher withdrawals increase fragility
The more cash the portfolio must release, the less room it has to survive bad years, higher inflation, or weaker returns.
SWP Calculator
Test whether your corpus can carry your withdrawals without falling apart.
A systematic withdrawal plan is about income from capital, not accumulation. The real question is whether the portfolio can survive your withdrawals, the withdrawal increases you may need over time, and the return path you are assuming.
SWP tool
Stress the withdrawal plan before real life does it for you.
This estimate assumes the monthly withdrawal happens first and the remaining balance then grows for the month. That keeps the model slightly conservative for planning.
The capital pool you want to draw income from.
Use a realistic estimate for the portfolio you are actually using.
How much cash you want from the portfolio every month at the start.
Use this if you expect withdrawals to rise over time, often as a proxy for inflation.
The time span over which you want to pressure-test the withdrawal plan.
Total withdrawnRs 0
Ending corpusRs 0
Years sustained0 yrs
Starting withdrawal rate0%
Enter your corpus and withdrawal plan to test whether the cash flow looks durable or fragile.
This is a planning estimate. It does not model taxes, bad sequence-of-returns years, or portfolio allocation changes, all of which matter in real withdrawal planning.
How to use the SWP result well
The most dangerous mistake is assuming that a portfolio can fund a lifestyle just because the first few years look fine on paper.
Step-up is realistic, not optional
If your spending will rise over time, ignoring withdrawal growth can make the plan look much safer than it really is.
Compare with freedom targets
Use this next to the freedom calculator so you can compare the corpus you have with the cash flow you expect from it.