Retirement planning

SWP Sustainability
Calculator

Will your corpus last your retirement? Run 1,000 Monte Carlo simulations using your fund's real historical return data — not a single assumed rate.

Run my simulation → All tools

1,000

Simulations per run

P10–P90

Probability bands

Safe withdrawal rule

What it does

Stop guessing.
Know your survival odds.

A single return assumption (say 10%) ignores volatility. Monte Carlo captures the full range — what good markets, bad markets, and average markets mean for your withdrawal plan.

Survival probability

Out of 1,000 simulated paths, how many end with corpus above zero? That percentage is your survival probability.

Corpus fan chart

See how your remaining corpus evolves year-by-year across the P10, median, and P90 scenarios.

Real fund data

No generic return assumptions. We use the actual monthly return distribution from your chosen fund's NAV history.

Sample output

₹50L corpus, ₹30K/month SWP — 20 years

In a balanced advantage fund, the median outcome is ₹68L remaining after 20 years — but in a bad run of returns it could deplete, and in a good one it could compound to ₹1.8Cr. The survival probability tells you how likely each scenario is.

83%

Survival probability

₹68L

Median at 20 yrs

₹0

P10 — bad luck

Yr 5

Yr 10

Yr 15

Yr 20

₹0₹1.8Cr (P90)

How it works

1,000 retirement paths
in seconds

We use your fund's own historical return data to drive the simulation — no assumptions needed.

Enter your corpus and monthly withdrawal

Set your starting amount, monthly SWP, an annual increase to model inflation, and your retirement horizon in years.

Select the fund you plan to use for your SWP

Topsheet fetches the fund's full monthly NAV history and calculates its actual return distribution — mean return (mu) and volatility (sigma) — from the data.

See survival probability across 1,000 simulated paths

Each simulation draws random monthly returns from the fund's historical distribution. We count how many of the 1,000 paths reach your horizon with corpus still above zero.

Frequently asked questions

Common questions

Everything you need to know about SWP sustainability.

What is a safe SWP withdrawal rate in India?

The 4% rule is a common guideline — withdrawing 4% of your corpus annually. On ₹1 crore, that's ₹33,333/month. However, the right rate depends on your fund's actual return and volatility, which is why our tool uses real NAV data instead of generic assumptions.

Which fund is best for SWP?

Balanced advantage funds and hybrid funds are commonly used for SWP because they automatically reduce equity exposure in overvalued markets. Use our tool to compare how different funds perform across 1,000 simulated scenarios.

What is the difference between SWP and FD interest?

A fixed deposit gives you a fixed interest rate with capital intact. An SWP withdraws from a mutual fund — your corpus grows or shrinks with markets. The SWP benefit: equity participation means higher potential long-term returns than FD rates.

How is this calculator different from others?

Most SWP calculators use a single assumed return rate (e.g. 10%). Ours runs 1,000 simulations using your fund's actual return distribution — so the probability reflects real historical volatility, not a best-case assumption.

What does 'survival probability' mean?

Out of 1,000 simulated market paths, what percentage reach the end of your time horizon with corpus > 0. An 80% survival rate means in 800 of 1,000 scenarios, your corpus lasts the full period.

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