SWP Calculator
Test how monthly withdrawals, investment return, annual income increases and inflation interact, and see whether the corpus survives the full planned period.
Test an SWP or solve for model-supported monthly income while keeping the reserve and purchasing power visible.
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04Year-wise withdrawal scheduleOpening corpus, growth, withdrawals and closing corpus—+
| Year | Opening corpus | Growth | Withdrawn | Closing corpus | Today’s value |
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The base case applies a constant periodic return. Real markets move unevenly, so an early loss can shorten the runway even if long-run averages later recover. The stress graph includes an illustrative 15% opening drop to make that risk visible.
Educational planning only. Results are deterministic illustrations, not a safe-withdrawal promise, return forecast or retirement-income guarantee. Taxes, exit loads, product expenses and transaction-day differences are excluded.
How the SWP Calculator works
A Systematic Withdrawal Plan redeems money from an invested corpus at regular intervals. This calculator simulates each month separately: the remaining balance first earns the entered monthly return, the scheduled withdrawal is then deducted, and the process continues until the selected period ends or the corpus can no longer fund the payment.
Update the corpus every month
New balance = Old balance × (1 + Monthly return) − WithdrawalWithdrawals are modelled at month-end. This timing is stated explicitly because beginning-of-month redemptions would leave slightly less money invested and produce a different result.
Increase income when required
Yearly withdrawal = Starting withdrawal × (1 + Increase)Year numberA flat SWP keeps the cash amount unchanged. An increasing SWP raises it after every 12 withdrawals, which may help with rising expenses but reduces corpus longevity.
Estimate the duration-limit withdrawal
Maximum starting withdrawal = Corpus ÷ Present-value factorThis mathematical limit leaves approximately zero at the planned endpoint under a perfectly constant return. It is a comparison benchmark—not a safe-withdrawal recommendation.
₹25 lakh corpus with a flat ₹20,000 monthly SWP
At a constant illustrative return of 8% a year, withdrawing ₹20,000 at the end of every month for 20 years pays ₹48,00,000 in total and leaves about ₹5,36,599. The combined withdrawals and ending balance exceed the starting corpus by roughly ₹28,36,599 because the unwithdrawn money continued compounding. At 6% inflation, however, the ending balance has purchasing power of only about ₹1,67,314 in today’s rupees.
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan, or SWP, redeems a selected amount from an investment at regular intervals. It can create periodic cash flow while the unwithdrawn corpus remains invested and continues to experience market gains or losses.
How does an annual withdrawal increase affect corpus life?
Increasing withdrawals after every 12 months can help income keep pace with rising expenses, but it also draws down the corpus faster. The calculator applies the selected increase to each later year and tests whether the corpus can fund every scheduled payment.
What does estimated maximum starting withdrawal mean?
It is the starting monthly amount that would mathematically reduce the corpus to approximately zero at the end of the selected period under the entered constant return and annual increase. It is not a safe-withdrawal recommendation or guarantee.
Why can actual SWP results differ significantly?
The calculator assumes the same return every month. Real markets are volatile, and poor returns early in the withdrawal period can damage corpus longevity even if the long-term average return is unchanged. Taxes, exit loads, product expenses and skipped or changed withdrawals also affect actual results.