Retirement income planning
Plan regular withdrawals or an SWP and see how long your retirement savings may last.
Use the same calculator for retirement withdrawals, drawdown or a Systematic Withdrawal Plan (SWP). In India, SWP is a common name for taking money from an invested corpus at regular intervals.
Important: Carrowmont models the withdrawal maths. It does not model a specific mutual fund's NAV, exit load, tax treatment or future return.
Month-by-month runwayFixed or inflation-linked withdrawalsReturn sensitivity — not a forecast
Model your retirement withdrawals
Advanced assumptions
Balance path
See the modelled retirement portfolio over time
Constant-return illustration, not a forecast.
Return sensitivity — not a forecast
Same assumptions at selected return ±2 percentage points.Annual withdrawal schedule
Opening balance, withdrawals, modelled investment change and ending balance.| Year | Age | Opening balance | Withdrawals | Investment change | Ending balance | Starting monthly withdrawal |
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Need to build the retirement target first?
Open Retirement Planner →Use the full Retirement Planner
Model retirement expenses, retirement income, savings and the amount you may need at retirement.
Understand the risk
Returns do not arrive smoothly
Learn why poor returns early in retirement can matter more when withdrawals are happening at the same time.