Finance
SWP Calculator
Plan your systematic withdrawals and see how long your corpus will last.
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₹
%
years
Final Balance
₹3,90,179after 120 months
Total Withdrawn₹12,00,000
Corpus Duration120 months
Final Balance₹3,90,179
Finance
Plan your systematic withdrawals and see how long your corpus will last.
Final Balance
₹3,90,179after 120 months
An SWP (Systematic Withdrawal Plan) is an investment strategy where you withdraw a fixed sum regularly—typically monthly or quarterly—from a mutual fund, stock portfolio, or investment account. Unlike a lump-sum withdrawal, an SWP leaves your remaining capital invested, allowing it to compound and potentially offset inflation. Financial advisors often recommend SWPs for retirement income because withdrawals are typically taxed as capital gains rather than income, and the account continues earning returns.
The calculator models your investment account as it shrinks with each withdrawal and grows with monthly returns. You input your initial investment amount, expected annual return rate, monthly withdrawal amount, and withdrawal frequency. The tool then computes: (1) how many months/years your corpus will sustain withdrawals, (2) the remaining balance after each withdrawal, and (3) whether your principal depletes or grows. It assumes returns are reinvested monthly and withdrawals happen at period end, giving you a realistic timeline for your funds.
Remaining Balance = (Previous Balance × (1 + Monthly Return Rate)) − Withdrawal AmountEach month, your balance grows by the monthly return rate (annual rate ÷ 12), then your fixed withdrawal is deducted. This cycle repeats until your balance reaches zero or a target amount. Monthly return rate = annual return % ÷ 100 ÷ 12.
| Input | Result | Notes |
|---|---|---|
| Initial: ₹50,00,000 | Annual return: 8% | Monthly withdrawal: ₹30,000 | Corpus lasts ~180 months (15 years); final balance ₹0 | A balanced portfolio typically earns 6–10% annually; higher withdrawal rates exhaust funds faster |
| Initial: ₹1,00,00,000 | Annual return: 12% | Monthly withdrawal: ₹60,000 | Corpus grows indefinitely; balance exceeds ₹1.5 Cr in 10 years | When withdrawal rate < portfolio return, your capital compounds while providing regular income |
| Initial: ₹25,00,000 | Annual return: 6% | Monthly withdrawal: ₹20,000 | Corpus depletes in ~138 months (11.5 years) | Conservative returns with aggressive withdrawals; good for short-term income goals |
SIP (Systematic Investment Plan) is regular investing; SWP is regular withdrawing. SIP adds to your corpus, SWP reduces it. Both automate cashflow.
Yes, for most retirees. SWP keeps remaining capital invested so it compounds, and withdrawals are taxed as capital gains (lower rate). A lump sum removes all money from the market immediately.
Use 6–8% for balanced funds (60/40 stocks/bonds), 10–12% for equity-heavy portfolios, and 4–5% for debt funds. Historical long-term averages guide these; adjust for your risk tolerance.
Yes. Most SWPs allow you to increase, decrease, or pause withdrawals. Recalculate with your new amount to see if your corpus lasts as long.
Your corpus depletes faster. Run the calculator with a more conservative return rate (5–6%) to plan for downside and adjust withdrawals if needed.
Yes, if you need funds for 5–10 years. For longer periods (20+ years), consider a lower withdrawal percentage or supplementary income to preserve capital.