SWP Calculator
Systematic Withdrawal Plan — calculate how long your corpus lasts with regular monthly withdrawals.
Your withdrawal rate is below the return rate — your corpus grows indefinitely.
SWP Calculator
An SWP (Systematic Withdrawal Plan) calculator shows how long a corpus lasts when you withdraw a fixed amount every month while the remaining balance keeps earning a return.
Each month: balance = balance × (1 + monthly rate) − withdrawal, repeated until the balance is exhausted or the chosen horizon ends.
Input: ₹50 lakh corpus, ₹35,000/month withdrawal, 8% annual return
Result: Corpus lasts well beyond 20 years — the monthly return often outpaces the withdrawal at this rate
What happens if my withdrawal rate exceeds the return rate?
The corpus depletes faster than it grows and will eventually run out — the calculator shows you exactly which month that happens.
Is SWP more tax-efficient than a fixed deposit for regular income?
Often, because only the gains portion of each SWP withdrawal from equity/debt mutual funds is taxed, not the full amount — unlike FD interest, which is fully taxable. This calculator doesn't compute tax; see the Capital Gains Tax calculator.
SWP Calculator: how it works
An SWP calculator models drawing a fixed amount periodically from an invested corpus, tracking the depleting balance against ongoing returns.
Formula
Each period: balance = balance × (1 + i) − withdrawal, iterated until the balance is exhausted.