SWP Calculator
A systematic withdrawal plan (SWP) takes a fixed amount out of an investment every month. Enter your corpus, the withdrawal and the return to see how long the money lasts and what remains.
Results
Balance at the end
₹98,58,877
- How long it lasts
- Lasts the full 20 years
- Total withdrawn
- ₹72,00,000
- Total returns earned
- ₹1,20,58,877
Withdrawing ₹30,000.00 a month for 20 years leaves ₹98,58,876.98, after ₹72,00,000.00 of withdrawals.
Balance at the end of each year
- Remaining corpus
Withdrawals and balance by year (20 rows)
| Period | Withdrawn | Balance |
|---|---|---|
| Year 1 | ₹3,60,000 | ₹50,90,993 |
| Year 2 | ₹3,60,000 | ₹51,90,521 |
| Year 3 | ₹3,60,000 | ₹52,99,386 |
| Year 4 | ₹3,60,000 | ₹54,18,463 |
| Year 5 | ₹3,60,000 | ₹55,48,711 |
| Year 6 | ₹3,60,000 | ₹56,91,176 |
| Year 7 | ₹3,60,000 | ₹58,47,006 |
| Year 8 | ₹3,60,000 | ₹60,17,454 |
| Year 9 | ₹3,60,000 | ₹62,03,890 |
| Year 10 | ₹3,60,000 | ₹64,07,816 |
| Year 11 | ₹3,60,000 | ₹66,30,872 |
| Year 12 | ₹3,60,000 | ₹68,74,852 |
| Year 13 | ₹3,60,000 | ₹71,41,718 |
| Year 14 | ₹3,60,000 | ₹74,33,619 |
| Year 15 | ₹3,60,000 | ₹77,52,902 |
| Year 16 | ₹3,60,000 | ₹81,02,136 |
| Year 17 | ₹3,60,000 | ₹84,84,130 |
| Year 18 | ₹3,60,000 | ₹89,01,958 |
| Year 19 | ₹3,60,000 | ₹93,58,982 |
| Year 20 | ₹3,60,000 | ₹98,58,877 |
Show the calculation steps
- Each month: balance = (balance − withdrawal) × (1 + 0.75%). The withdrawal stays constant.
- Total withdrawn over the period = ₹72,00,000.00.
- Ending balance = ₹98,58,876.98.
- Assumes a constant return and that withdrawals are made at the start of each month. Taxes and exit loads are not included.
Will the money last?
The corpus lasts if your withdrawals are covered by returns plus a slowly shrinking balance. If you withdraw more than the fund earns, the balance falls, at an increasing pace, until it reaches zero.
Keep up with inflation
A fixed withdrawal buys less each year. Adding a yearly increase shows how much faster the corpus depletes when your income keeps pace with rising prices.
Formula
Each month: balance = (balance − withdrawal) × (1 + i)
i = annual return ÷ 12 ÷ 100
Where:
- balance
- = Money remaining in the fund
- withdrawal
- = Amount taken out each month
- i
- = Monthly return
Example calculation
₹50 lakh corpus, ₹30,000 a month at 9% for 20 years
Inputs
- Starting Corpus
- ₹50,00,000
- Monthly Withdrawal
- ₹30,000
- Yearly Increase in Withdrawal
- 0 %
- Expected Annual Return
- 9 %
- Withdrawal Period
- 20 years
Result
- Balance at the end
- ₹98,58,877
- How long it lasts
- Lasts the full 20 years
- Total withdrawn
- ₹72,00,000
- Total returns earned
- ₹1,20,58,877
Step-by-step
- Each month: balance = (balance − withdrawal) × (1 + 0.75%). The withdrawal stays constant.
- Total withdrawn over the period = ₹72,00,000.00.
- Ending balance = ₹98,58,876.98.
Important notes
- Withdrawals from mutual funds may attract capital gains tax; taxes and exit loads are not included.
Disclaimer: This calculator provides estimates for informational purposes and should not be considered financial advice. Actual figures from lenders, banks and investment products can differ because of fees, taxes, rounding rules and changing rates. Consult a qualified professional before making financial decisions.
Frequently asked questions
What is an SWP?
A plan that withdraws a fixed sum from an investment at regular intervals while the rest stays invested.
What withdrawal is sustainable?
Withdrawing less than the return keeps the corpus growing. Around 4–5% of the corpus a year is a common guide for long horizons.
What happens if returns are lower than expected?
The corpus lasts a shorter time. Test a lower return to check your plan's margin.
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