Last reviewed: 4 September 2026. Worked numbers use the same engines as the linked calculators. Not advice.
An SWP is the opposite cash-flow of a SIP: you take a fixed amount out while the remainder is assumed to earn a rate. If withdrawals exceed growth, the corpus hits zero inside the horizon.
Use SWP with corpus, monthly withdrawal, assumed return and years. Sequence-of-returns risk is not simulated. Tax on gains is not deducted.
Building the corpus: SIP. Spending in retirement sketches: retirement and FIRE — still estimates.
Educational estimates only. Confirm with your bank, AMC or a registered advisor. Disclaimer · Methodology.