SWP Calculator
Unlike calculators that assume a flat expected return, this one replays your withdrawal plan against actual historical Nifty 50 TRI values from 1999-06-30 to 2026-07-28 — so you see what really would have happened, not just a theoretical average.
Historical data available: 1999-06-30 to 2026-07-28.
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This calculator uses actual historical Nifty 50 Total Returns Index values to illustrate what a Systematic Withdrawal Plan would have returned over the selected period — it is not a projection or guarantee of future performance. Past performance does not indicate future results. Consult Fynvisor for advice tailored to your financial situation.
Why backtest instead of assume?
Most SWP calculators assume a single flat annual return for the entire withdrawal period — but real markets don't move in a straight line. This calculator instead replays your exact lumpsum and withdrawal plan against what the Nifty 50 actually did, day by day, since 1999. That means the sequence of good and bad years in your selected window genuinely affects the outcome, just as it would have for a real investor.