Question 1

How is SWP leftover estimated?

Accepted Answer

Each withdrawal is taken at the start of the period from the opening corpus. What remains then grows at the monthly equivalent of your expected annual return. A yearly SWP is taken once every 12 months.

Question 2

What if the withdrawal is too large?

Accepted Answer

The corpus can empty before the tenure you set. The calculator stops when the balance is gone and shows how many months it lasted. Use “SWP that lasts the tenure” to solve the largest withdrawal that still finishes the term.

Question 3

Is the leftover guaranteed?

Accepted Answer

No. You type the return. Markets, expense ratios, and taxes can empty a corpus sooner. This is not an AMFI or fund quote.

Question 4

What does leftover today mean?

Accepted Answer

The leftover corpus is deflated by the inflation rate you enter, so you can see purchasing power at the end. Set inflation to 0 if you only want nominal rupees.