SWP Calculator

Initial Corpus (₹)

Total investment / corpus from which withdrawals will be made.

Expected Annual Return (%)

Withdrawal Amount (₹)

Amount withdrawn every withdrawal frequency (default monthly).

Withdrawal Frequency

Step-up in Withdrawal (%)

Optional: increase withdrawal annually by this percent.

Max Years to Simulate

Stop simulation early if corpus depletes; otherwise run up to this many years.

Inflation Adjustment (%)

Optional: to view withdrawals in real terms (inflation reduces buying power).

Results

Months Until Depletion

—

Total Withdrawn

₹0

Remaining Corpus

₹0

Withdrawn vs Remaining

Corpus Over Time

Yearly Withdrawals Snapshot

Period Breakdown

Showing simulation until depletion or set max years.

Period	Opening Corpus (₹)	Interest Earned (₹)	Withdrawal (₹)	Closing Corpus (₹)

About SWP Calculator

SWP Calculator — design a systematic withdrawal plan for a steady income flow. Perfect for retirees or anyone needing regular payouts from their investments.

How to use the SWP Calculator

Enter your total investment amount.
Set your desired monthly withdrawal amount.
Provide the expected annual return rate and duration.
Click Calculate to see how long your returns can sustain withdrawals.

Example

With an investment of ₹20 lakhs and a monthly withdrawal of ₹15,000 at 9% return, your capital can last for over 20 years while still growing initially.

Tips for Sustainable SWP

Ensure your withdrawal rate is lower than your expected return rate to preserve capital.
Account for inflation — increase withdrawals periodically if needed.
Choose tax-efficient funds for SWP to minimize tax impact.

FAQs

Is SWP tax-free?

Not entirely — capital gains tax applies to the profit portion of each withdrawal, depending on the fund type and holding period.

Can I stop SWP anytime?

Yes — SWP is flexible. You can stop, pause, or change the amount whenever you wish.