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SWP Calculator

Plan a fixed, regular withdrawal from an existing investment corpus, and see how long it can support that withdrawal.

SWP calculator

Plan a systematic withdrawal from an existing corpus without running it dry too soon.

Projection
InvestedOutstanding
09.0L18.0L27.0L36.0LY1Y3Y5Y7Y9Y11Y13Y15
Inputs
Initial Corpus₹25.00 L
Monthly Withdrawal₹20.0 K
Period15 Yr
Expected Return (p.a.)8%
Initial Corpus₹25,00,000
Withdrawn₹36,00,000
Balance Left₹13,46,539

What is a SWP?

A Systematic Withdrawal Plan (SWP) is the reverse of a SIP: instead of putting money in periodically, you take a fixed amount out at regular intervals, usually monthly, while the rest of the corpus stays invested and continues to earn returns. It's the standard way to convert an accumulated corpus into a regular income stream without withdrawing it all at once.

How is it calculated?

Balance(m) = Balance(m−1) × (1 + r) − WithdrawalCalculated month by month, where r is the expected monthly rate of return, repeated until the tenure ends or the balance reaches zero.

Why use this calculator

  • Shows exactly how long a given corpus can sustain a chosen withdrawal amount
  • Balances income needs against capital preservation, rather than guessing
  • Useful for stress-testing “can this corpus support this lifestyle” conversations

Who should use it

Retirees or anyone drawing a regular income from an investment corpus, and advisors structuring a decumulation plan for a client who's stopped actively earning.

Frequently asked questions

What happens if my withdrawal rate is too high?

The corpus depletes faster than it grows, and the calculator will show the balance reaching zero before the chosen tenure ends: a signal to lower the withdrawal amount or extend the return assumption.

Are SWP withdrawals guaranteed to keep pace with inflation?

No. This shows a fixed nominal withdrawal amount. If the goal is to preserve purchasing power, the withdrawal amount itself may need to be increased periodically.

Is SWP only for retirees?

It's most common in retirement planning, but the same mechanics apply to any situation where someone needs a predictable income from a lump sum, including maturity payouts or corpus-based scholarships.