SWP Goal Planner
Work backwards from the income you want. Tell it what monthly withdrawal you need, when it should begin and how long it must last, and it computes the corpus required on that date and the monthly investment needed from today to get there.
The income you want
Assumptions
Turning this into an actual plan
A number is the easy part. Which funds, how the corpus should shift as the withdrawal date approaches, how withdrawals are taxed, and what happens if markets fall in the first few years of drawing down are the parts that decide whether the plan survives contact with reality. Share your details and we'll reach out to know more.
This calculator illustrates the arithmetic of a savings and withdrawal plan on the assumptions you enter. It is not a projection, a guarantee, or investment advice, and it does not account for tax, fees, or the sequence in which returns actually arrive. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Consult Fynvisor for advice tailored to your circumstances.
How the two phases fit together
The corpus you need on the start date is simply the present value, at that date, of every withdrawal you plan to take — discounted at the return you expect to earn while withdrawing. Once that figure is known, the monthly investment is solved backwards from it, allowing for anything you have already invested and for any annual step-up.
Three choices that move the number most
- Whether withdrawals are indexed to inflation. A level ₹50,000 a month for twenty years is a very different obligation from ₹50,000 rising with prices — the latter can need well over half as much again in corpus. Most people mean the second and plan for the first.
- Whether the amount is in today's money. ₹50,000 a month sounds concrete, but if withdrawals start in ten years, ₹50,000 then buys materially less than ₹50,000 now. The dropdown above lets you state which you mean.
- The withdrawal-phase return. Portfolios are usually made more conservative once drawdown begins, so this should generally be lower than the accumulation return. Setting them equal quietly flatters the result.
What this cannot tell you
It assumes returns arrive smoothly. They do not — and for a withdrawal plan the order of returns matters as much as the average. A poor first few years of drawdown permanently damages a corpus in a way that a good run later cannot repair, because units sold cheaply are gone. To see how a plan would have fared against what markets actually did, use our SWP Calculator, which replays real Nifty 50 TRI history rather than assuming a flat rate. The Step-Up SIP Calculator covers the accumulation side on its own.