SWP Sustainability Calculator
Will your corpus outlast your withdrawals? Run 1,000 Monte Carlo paths on a fund's real NAV history.
₹50L corpus, ₹30K/month for 20 years
In a balanced-advantage fund the median outcome might leave ₹68L after 20 years — but a bad sequence of returns could deplete it, while a good run compounds far higher. The survival probability tells you how likely each path is, so you size withdrawals with the downside in view.
Illustrative result with sample data — run it on a real fund after signing up.
Stop guessing. Know your survival odds.
Survival probability
Of 1,000 simulated market paths, how many reach the end of your horizon with corpus still above zero.
Corpus fan chart
Watch the remaining corpus evolve year by year across the P10, median and P90 outcomes.
Real fund data
No single assumed return. We use the actual return and volatility from the fund's NAV history.
1,000 retirement paths in seconds
Enter corpus and monthly withdrawal
Set the starting amount, monthly SWP, an annual step-up for inflation, and your horizon in years.
Pick the fund
We pull the fund's NAV history and derive its return (mu) and volatility (sigma) from the data.
Read the survival odds
Each path draws random monthly returns from that distribution; we count how many last the full horizon.
Common questions
What is a safe SWP withdrawal rate?+
The 4% rule is a common reference — withdrawing about 4% of your corpus a year. On ₹1 crore that's roughly ₹33,000/month. But the right rate depends on the fund's actual return and volatility, which is exactly what this tool models instead of a generic assumption.
Which kind of fund suits an SWP?+
Balanced-advantage and hybrid funds are often used for SWPs because they trim equity in expensive markets. Rather than rely on rules of thumb, use the tool to see how a specific fund's own return distribution holds up across 1,000 scenarios.
How is an SWP different from FD interest?+
A fixed deposit pays a fixed rate with capital intact. An SWP draws from a mutual fund whose value rises and falls with markets — so there's sequence risk, but also equity participation that can outpace FD rates over long horizons.
How is this different from other SWP calculators?+
Most use a single assumed return (say 10%). This runs 1,000 simulations from the fund's real return distribution, so the probability reflects historical volatility and sequence risk, not a best-case straight line.
What does 'survival probability' mean?+
Out of 1,000 simulated paths, the share that finish the horizon with corpus above zero. An 80% survival rate means 800 of 1,000 scenarios lasted the full period.
Run it on your fund
Create a free account and run swp sustainability calculator on any fund in seconds.
Try it free