SWP Calculator
See how monthly withdrawals affect your investment balance over time.
Results are estimates for illustration only and are not financial, tax or investment advice. Disclaimer
Your inputs
Range ₹5L to ₹1Cr
Range ₹10,000 to ₹1L
Range 6% to 15%
Range 1 year to 40 years
Advanced
Remaining balance: ₹23,41,408. Lasts at least 10 years
Results
Remaining balance
₹23,41,408
Total withdrawn
₹18,00,000
Estimated returns
₹21,41,408
Fund duration
Lasts at least 10 years
Duration is evaluated only within your selected projection period.
Worth in today’s money
₹13,07,430
Ending value after 10 years, adjusted for 6% annual inflation. Nominal totals and withdrawals are unchanged.
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Remaining balance over time
Year-wise breakdown
| Year | Withdrawn this year | Returns this year | Balance left |
|---|---|---|---|
| 1 | ₹1,80,000 | ₹2,00,943 | ₹20,20,943 |
| 2 | ₹1,80,000 | ₹2,03,136 | ₹20,44,078 |
| 3 | ₹1,80,000 | ₹2,05,558 | ₹20,69,636 |
| 4 | ₹1,80,000 | ₹2,08,234 | ₹20,97,871 |
| 5 | ₹1,80,000 | ₹2,11,191 | ₹21,29,062 |
| 6 | ₹1,80,000 | ₹2,14,457 | ₹21,63,519 |
| 7 | ₹1,80,000 | ₹2,18,065 | ₹22,01,584 |
| 8 | ₹1,80,000 | ₹2,22,051 | ₹22,43,635 |
| 9 | ₹1,80,000 | ₹2,26,454 | ₹22,90,090 |
| 10 | ₹1,80,000 | ₹2,31,319 | ₹23,41,408 |
How this estimate works
- The annual return is a nominal assumption divided by 12 for the monthly rate. That return is credited before each fixed withdrawal, beginning at the end of the first month. Effective annual growth differs from the annual input.
- The simulation stops at the chosen period or when the balance is exhausted. The final withdrawal is limited to the amount available; the balance never becomes negative.
- Taxes, fees and changing market returns are excluded from the nominal simulation. A steady return assumption does not capture the risk of withdrawing during a market fall.
- Today’s-money value discounts only the ending balance by (1 + inflation) raised to the selected years. It does not change contributions, withdrawals or the nominal calculation.
Saved calculations
Last 10 per calculator, stored only on this device.
Save a calculation to return to it later.
How the SWP calculator works
A Systematic Withdrawal Plan (SWP) pays you a fixed amount every month from an investment while the rest stays invested. Each month the calculator credits that month’s return and then pays the withdrawal, so you can see whether the money lasts.
Who this helps
For people testing monthly withdrawals from an existing corpus and spotting when a modeled balance may run out.
Formula
Closing balance = opening balance × (1 + r) − withdrawal
r is the expected annual return ÷ 12 ÷ 100. Withdrawals stop if the balance runs out.
Worked example
Withdrawing ₹15,000 a month from ₹20 lakh for 10 years at 10% a year pays out ₹18,00,000 in total and leaves an estimated ₹23,41,408.
Based on this calculator’s default inputs.
Frequently asked questions
How long will my money last with an SWP?
If each withdrawal is smaller than the monthly return on your balance, the fund keeps growing in this model. If it is larger, the balance shrinks a little faster every year. The calculator shows when the fund runs out, if it does within your chosen period.
How do I choose a monthly withdrawal amount?
Test different monthly withdrawals and lower return assumptions, then inspect the remaining balance and any depletion point. This model holds returns constant; actual early losses can exhaust the corpus sooner. It does not establish a safe withdrawal rate.
Why can my ending balance be higher than my investment?
When the return earned each month is larger than the withdrawal, the surplus stays invested and compounds. With ₹15,000 a month from ₹20 lakh at 10%, the balance after 10 years is about ₹23,41,408.
Is an SWP the same as a dividend?
No. A dividend depends on what the fund decides to pay out. An SWP redeems units to pay the fixed amount you choose, on the date you choose.
Are SWP withdrawals taxed?
Each withdrawal redeems units, and only the gain in each redemption may be taxed as capital gains, depending on the fund type and holding period. This calculator excludes taxes.
Model and timing
The annual nominal return is divided by 12. Each month earns its modeled return before the withdrawal. Withdrawals stop when the balance is exhausted.
Before using the estimate
The return is constant; real markets fluctuate. Early losses can exhaust a corpus sooner even when its long-run average return looks adequate. This model does not establish a safe withdrawal rate. Taxes, fund costs and rising monthly withdrawal needs are excluded.
Try a useful comparison
Try a lower return and a higher withdrawal, then inspect the depletion point and remaining balance. Advanced inflation shows purchasing power; it does not increase the withdrawal automatically. Save the assumptions locally or prepare a report.
Results are estimates for illustration only and are not financial, tax or investment advice.