SWP Calculator
Draw a monthly income from a corpus.
Runs entirely in your browser — nothing you enter is uploaded or sent to a server.
Withdrawals aren't guaranteed to last — a weak run of early returns (sequence risk) or higher inflation can drain the corpus faster than the average suggests. It's an illustration for planning, not investment advice, so review it regularly. Read our full disclaimer.
About this tool
A Systematic Withdrawal Plan (SWP) is the opposite of a SIP: instead of adding money each month, you take a fixed amount out while the remaining balance stays invested and keeps earning. This calculator models each month — the balance grows by the monthly return, then the withdrawal is taken — so you can see whether your corpus lasts the full period, what balance remains, and the year-by-year drawdown. Handy for planning a retirement income.
Example
From a ₹50,00,000 corpus earning 8% p.a., withdrawing ₹30,000 a month for 20 years still leaves a sizeable balance. Push the withdrawal high enough and the tool warns you when the money runs out early.
How to use
- 1Enter your starting corpus.
- 2Set the fixed amount you'll withdraw each month.
- 3Set the annual return you expect the remaining balance to earn.
- 4Set the period, and read the balance remaining or when the corpus runs out.
Features
- Models each month: growth applied first, then the withdrawal taken.
- Tells you the balance left, or the month the corpus runs dry.
- A year-by-year drawdown schedule of withdrawals and balance.
Frequently asked questions
When is the withdrawal taken each month?
The tool applies that month's return first, then subtracts the withdrawal (end-of-month). If the balance can't cover a full withdrawal, it takes what remains and marks the corpus exhausted.
What return should I assume for withdrawals?
A retirement corpus is usually invested more conservatively than during accumulation, so a lower, steadier return is common. The figure is your assumption — try a range to see how sensitive the outcome is.
How long will my money last with monthly withdrawals?
Enter your corpus, the monthly withdrawal, and an expected return; the tool models each month (growth first, then the withdrawal) and shows the balance remaining at the end — or the month the corpus runs dry if withdrawals outpace growth.
What is a safe monthly withdrawal?
It depends on your return, the period, and inflation, but a smaller withdrawal relative to the corpus lasts far longer. Try a few amounts here to find the tipping point — a weak run of early returns (sequence risk) can drain it faster than the average suggests.
Is this financial advice?
No — it's an illustration for planning, not advice. How long a corpus lasts depends on real returns and inflation, so review the plan regularly. See our Disclaimer.
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