SWP Calculator – Systematic Withdrawal Plan Calculator
A SWP (Systematic Withdrawal Plan) calculator helps you plan regular monthly withdrawals from your investment corpus while the remaining amount continues to earn returns. It shows how long your money will last or how much you can withdraw monthly.
- Remaining Corpus
- Total Withdrawn
| Year | Annual Withdrawal | Remaining Corpus | Total Withdrawn |
|---|---|---|---|
| 1 | ₹3,60,000 | ₹50,41,500 | ₹3,60,000 |
| 2 | ₹3,60,000 | ₹50,86,444 | ₹7,20,000 |
| 3 | ₹3,60,000 | ₹51,35,119 | ₹10,80,000 |
| 4 | ₹3,60,000 | ₹51,87,833 | ₹14,40,000 |
| 5 | ₹3,60,000 | ₹52,44,923 | ₹18,00,000 |
| 6 | ₹3,60,000 | ₹53,06,751 | ₹21,60,000 |
| 7 | ₹3,60,000 | ₹53,73,711 | ₹25,20,000 |
| 8 | ₹3,60,000 | ₹54,46,229 | ₹28,80,000 |
| 9 | ₹3,60,000 | ₹55,24,765 | ₹32,40,000 |
| 10 | ₹3,60,000 | ₹56,09,820 | ₹36,00,000 |
| 11 | ₹3,60,000 | ₹57,01,935 | ₹39,60,000 |
| 12 | ₹3,60,000 | ₹58,01,695 | ₹43,20,000 |
| 13 | ₹3,60,000 | ₹59,09,735 | ₹46,80,000 |
| 14 | ₹3,60,000 | ₹60,26,742 | ₹50,40,000 |
| 15 | ₹3,60,000 | ₹61,53,461 | ₹54,00,000 |
| 16 | ₹3,60,000 | ₹62,90,697 | ₹57,60,000 |
| 17 | ₹3,60,000 | ₹64,39,324 | ₹61,20,000 |
| 18 | ₹3,60,000 | ₹66,00,287 | ₹64,80,000 |
| 19 | ₹3,60,000 | ₹67,74,610 | ₹68,40,000 |
| 20 | ₹3,60,000 | ₹69,63,401 | ₹72,00,000 |
| 21 | ₹3,60,000 | ₹71,67,862 | ₹75,60,000 |
| 22 | ₹3,60,000 | ₹73,89,294 | ₹79,20,000 |
| 23 | ₹3,60,000 | ₹76,29,104 | ₹82,80,000 |
| 24 | ₹3,60,000 | ₹78,88,818 | ₹86,40,000 |
| 25 | ₹3,60,000 | ₹81,70,088 | ₹90,00,000 |
What Your Results Mean
The total withdrawal amount shows how much income you'd draw over the entire period. The remaining corpus tells you what's left at the end. If the remaining corpus is zero or negative, your withdrawal rate is too high for the duration — consider reducing the monthly amount or shortening the period.
What This Calculator Does
Enter your total corpus, desired monthly withdrawal, expected return rate on the remaining corpus, and withdrawal period. The calculator shows the remaining corpus over time and total withdrawals made.
How the Calculation Works
Each month, the specified amount is withdrawn from the corpus. The remaining balance continues to earn the expected return, compounded monthly. The calculator projects the corpus trajectory over the withdrawal period.
Calculation Logic (Simplified)
Each month: Corpus = (Previous Corpus × (1 + r/12)) - W, where r = annual return rate, W = monthly withdrawal.Example Calculation
With a corpus of ₹50,00,000, monthly withdrawal of ₹30,000 at 8% annual return, your corpus would last approximately 30+ years.
When to Use This Calculator
- You're retired or planning retirement and need a regular monthly income from your corpus
- You want to know if your savings will last through a 25–30 year retirement
- You're evaluating how much you can withdraw monthly without depleting your corpus
- You need to compare different withdrawal rates to find a sustainable level
Common Mistakes to Avoid
- Setting a withdrawal rate too high — anything above 5–6% annually risks depleting your corpus early
- Ignoring inflation — your expenses will rise, so a fixed withdrawal may not be enough in later years
- Assuming constant returns — market downturns in early retirement can permanently damage your corpus
- Not keeping an emergency buffer — relying entirely on SWP without liquid reserves is risky
Benefits & Use Cases
- Plan retirement income from your corpus
- Understand sustainable withdrawal rates
- Avoid running out of money in retirement
- Compare different withdrawal strategies
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Assumptions and Limitations
Assumptions
- Withdrawals are made at the end of each month from the invested corpus
- The remaining corpus earns a constant annual return, compounded monthly
- No additional investments are made during the withdrawal period
- Taxes on withdrawal gains are not deducted from the projected values
Limitations
- Market returns are not constant — a bad sequence of returns early in retirement can deplete your corpus faster than projected
- Inflation is not factored in — your real purchasing power may decline over time
- Tax on capital gains from each withdrawal is not included
- The calculator does not model changing withdrawal needs over different retirement phases
Frequently Asked Questions
What to Do Next
Now that you have your results, explore related tools to refine your financial plan. Try comparing different scenarios or use our other calculators for a more complete picture.
Disclaimer: These calculations are for educational and planning purposes only. Actual investment returns vary based on market conditions, product choice, fees, taxes, and individual circumstances. This tool does not constitute financial advice. Consider consulting a qualified financial advisor for decisions specific to your situation.