SWP Calculator

What This SWP Calculator Does

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an existing corpus every month, while the remaining balance stays invested and continues to earn returns. This calculator shows how long a given corpus lasts at your chosen withdrawal rate, or whether it can sustain withdrawals indefinitely.

The Formula

Each month, the calculator applies your expected rate of return to the current balance, then subtracts that month's withdrawal: balance = balance × (1 + monthly rate) - withdrawal, repeated month by month for your chosen period. If the balance would go negative, it flags the month your corpus is projected to run out.

How to Use It

Enter your total investment (the starting corpus), how much you want to withdraw each month, your expected annual return on the remaining balance, and how many years you plan to keep withdrawing. The chart shows your projected balance year by year, and a note appears if the corpus is projected to deplete before your chosen period ends.

Why SWPs Are Used

Retirees and anyone drawing a regular income from investments often prefer an SWP over simply redeeming units as needed, because it enforces discipline and provides a predictable monthly cash flow. If your withdrawal rate is lower than your expected return, the corpus can in principle last far longer than the period you've set, potentially even growing.

Who This Is For

Anyone planning to convert an accumulated corpus - from retirement savings, a lumpsum inheritance, or maturity proceeds - into a regular monthly income stream, and wanting to check a withdrawal amount is sustainable before committing to it.

Quick Example

A ₹20,00,000 corpus with a ₹15,000 monthly withdrawal at an expected 8% annual return still has roughly ₹10,18,299 left after 20 years of withdrawals - because the return on the remaining balance is outpacing what's being drawn down each month, at this particular combination of rate and withdrawal amount.