SWP Calculator
See how long your money lasts while you take a fixed amount out every month and the rest stays invested.
SWP Calculator
Balance left at the end
₹22,58,107.15
that is about 22.58 lakh
- Total withdrawn₹24,00,000.00
- Months the money lasts372
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In short: SWP Calculator
Drawing ₹20,000 a month from a corpus of ₹25,00,000 earning 9% leaves ₹22,58,107.15 after 10 years, having paid out ₹24,00,000.00 along the way. At that rate the money lasts about 372 months in all. Withdraw a little less each month and the balance can last indefinitely.
What is SWP?
A systematic withdrawal plan, or SWP, takes a fixed amount out of an investment every month while whatever remains stays invested and keeps growing.
How is SWP calculated?
Each month the balance grows by one month's return, and then the withdrawal is taken out. The tool repeats that until either the period you chose is over or the money runs out, which is why it can tell you how long the corpus lasts rather than only what is left.
- balancewhat is left invested at that point
- ithe expected return for one month, as a decimal
- Wthe amount withdrawn each month
A worked example
| Amount invested | ₹25,00,000 |
|---|---|
| Monthly withdrawal | ₹20,000 |
| Expected return (% a year) | 9% |
| Years of withdrawal | 10 years |
| Result | |
| Balance left at the end | ₹22,58,107.15 |
| Total withdrawn | ₹24,00,000.00 |
| Months the money lasts | 372 |
Every figure in this table is produced by the same calculation the tool above runs.
How to use this SWP calculator
- Enter the amount you have invested.
- Enter the amount you want to withdraw every month.
- Enter the return you expect on whatever stays invested.
- Read how long the money lasts, and what is left at the end of your chosen period.
Questions people ask
How much can I withdraw without running out?
If your withdrawal is smaller than the growth the balance earns, the corpus never shrinks. Lower the monthly amount here until the closing balance stops falling, and you have found that point. Remember that a real return is not steady, so leave yourself room.
Is an SWP better than a fixed deposit for monthly income?
An SWP can earn more and is taxed only on the gain inside each withdrawal, while deposit interest is taxed in full as income. The trade-off is that the return is not guaranteed and a bad year reduces the balance faster. Which suits you depends on how much certainty you need.
Does inflation affect this?
Yes, and heavily over a long retirement, because a fixed withdrawal buys less every year. One way to allow for it is to plan a higher withdrawal later, or to use a return figure net of inflation. The inflation tool shows what today's amount is worth in future money.
What happens if the market falls early on?
Withdrawing while the balance is down sells more units for the same rupees, which does lasting damage. This is why the first few years of withdrawals matter more than later ones. Keeping a year or two of withdrawals in something stable is a common precaution.
Accuracy and sources
Estimate only. Not financial or tax advice.
Checked by the Daytoolz team on 16 October 2026. How we check our tools.
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