You spent 25 years filling the tank. Now the real question: how much water can you draw every month — without emptying it? Pull too much and you go dry. Pull too little and you skimp despite being wealthy. This calculator finds the line.
Each month, your portfolio pays you a fixed amount — like a self-issued salary. The rest stays invested and keeps growing. If returns out-pace withdrawals, the corpus survives. If they don't, the tank slowly drains. It's the same maths as your EMI — just running in reverse.
Each row: this year's annual withdrawal · growth on the remaining balance · corpus at end of year. Red row = depleted.
| Yr | Withdrawn (yr) | Growth on balance | Corpus end |
|---|
You spend 25 years learning how to invest. Almost nobody teaches you how to withdraw. So most retirees default to one of two bad places: dipping into FDs every month (the corpus stops growing), or selling equity whenever the market is convenient (it's never convenient).
An SWP turns your corpus into a paycheck. The rest stays invested and keeps compounding. The discipline of a fixed monthly outflow is what protects you from yourself.
Anyone can build wealth. The real test is whether your plan can actually support the life you've built.
