Rytvae Consulting · Think Right · Invest Right
SWP Sustainability Calculator
Result
Chart
Show formula & working
Each month: balance = (balance − withdrawal) × (1 + r ÷ 12); the withdrawal rises by the yearly increase every 12 months
Sustainable withdrawal: solved so the balance reaches zero exactly at the target
Details
How this works
Withdrawing a fixed amount that rises with inflation is how most retirees use a corpus. The question is how long it lasts.
The sustainable figure is the most you can start with if the money must last your chosen number of years.
Frequently asked questions
Is the 4% rule relevant?
It is a US rule of thumb. Indian inflation and returns differ, so it is better to test your own numbers.
Are SWPs taxed?
Each withdrawal from a mutual fund is a redemption; only the gain part is taxed. Tax is not modelled here.