Planning a regular income from your savings?
We can help you set up withdrawals that balance income today with money that lasts.
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Optional. A PDF with your inputs, results, scenarios and suggested next steps — and a call from our team to walk you through it.
About this calculator
Withdraw a fixed amount every month from an invested corpus — and optionally raise it each year for inflation. See whether the money lasts, what is left at the end, and the highest withdrawal that would last your chosen period.
How is this calculated?
Each month the withdrawal is taken out and the rest grows at the monthly equivalent of the assumed annual return. The withdrawal rises by the chosen percentage every 12 months. The “highest withdrawal that lasts” is the starting amount that uses up the corpus exactly over the period.
Questions people ask
What is a safe withdrawal rate?
Withdrawing 4–5% of the corpus a year, rising with inflation, is a common starting point; a lower rate is safer for long retirements. Use the calculator to see how long your chosen amount lasts.
How are SWP withdrawals taxed?
Each withdrawal is partly your own money and partly gain. Only the gain portion is taxed, as short- or long-term capital gains depending on how long those units were held.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.