Reverse SWP Calculator

Find the required initial corpus to generate a specific monthly withdrawal income for retirement without running out of money.

Parameters
₹ Mo
%
Yrs
Calculated Results
Required Initial Corpus -
Total Payouts -
Returns Needed -
Compounding
Visual Projection
Invested
Corpus
Yearly Breakdowns
YearBeginning BalanceWithdrawnInterest EarnedEnding Balance
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Funding Your Retirement Payouts

Estimate the required initial nest egg size to pay out a targeted monthly amount over your retirement years, assuming a specific compounding growth rate.

Formula & Mathematical Approach

Finds the initial corpus required to support a specific monthly SWP withdrawal schedule.

i=(1+Return Rate100)112−1i = \left(1 + \frac{\text{Return Rate}}{100}\right)^{\frac{1}{12}} - 1
Required Corpus=Monthly Withdrawal×[1−(1+i)−Monthsi]×(1+i)\text{Required Corpus} = \text{Monthly Withdrawal} \times \left[ \frac{1 - (1 + i)^{-\text{Months}}}{i} \right] \times (1 + i)
Show Plain Text / Excel Formula 
i = (1 + Return Rate / 100) ^ (1 / 12) - 1
Required Corpus = Monthly Withdrawal * [ (1 - (1 + i) ^ -Months) / i ] * (1 + i)

Key Assumptions

  • Level monthly withdrawals are made at the start of each month.
  • Conservative withdrawal-before-interest sequence is maintained.
  • Return rate is constant over the withdrawal duration.