SWP Calculator

How it's calculated

Each month the balance grows at the monthly rate, then the withdrawal is taken out. The simulation repeats until the period ends or the balance reaches zero.

Using a Systematic Withdrawal Plan

A Systematic Withdrawal Plan (SWP) takes a fixed amount from your investment every month while the rest stays invested. People use it to turn a corpus into a regular income, for example in retirement.

The key question is how long the corpus lasts. It depends on your starting amount, the monthly withdrawal and the return on what remains. A withdrawal that is high compared with the return will run the corpus down faster.

Frequently asked questions

How long will my corpus last with an SWP?

Enter your corpus, monthly withdrawal, expected return and duration. The calculator shows the balance left at the end, the total you withdrew and how long the corpus lasts if it runs out early.

What withdrawal rate is sustainable?

A lower withdrawal compared with the corpus lasts longer. Test a few amounts and cautious returns to see where the corpus runs out.

Are SWP withdrawals taxed?

Tax depends on the type of fund and how long you held it, and the rules change. This calculator does not include tax.

How to use the SWP Calculator

Enter starting corpus, monthly withdrawal, expected return (p.a.), duration. The calculator updates as you type and shows Balance after 15 years, along with the figures behind it. It runs in your browser, so nothing you enter is sent anywhere. Use the Reset button to go back to the example values.