💵 SWP Calculator – Systematic Withdrawal Plan
See how long your investment corpus could last if you withdraw a fixed amount every month under a Systematic Withdrawal Plan (SWP).
What a SWP calculator does
A Systematic Withdrawal Plan (SWP) is the reverse of a SIP: instead of contributing money regularly, you withdraw a fixed amount at regular intervals from an existing lump sum while the remaining balance continues to earn returns. This calculator projects how your balance changes month by month.
The method used
Starting from your initial corpus, the calculator applies your expected monthly rate of return (annual rate divided by 12) to the balance, then subtracts your fixed monthly withdrawal, repeating this for every month in your chosen period. If the balance reaches zero before the period ends, withdrawals stop and the calculator flags that the corpus was depleted early.
Total withdrawn and months lasted reflect the actual simulated payouts, which can be less than requested if the corpus runs out.
This tool is for general planning and educational purposes only. Actual investment returns fluctuate and are never guaranteed, so real-world results will differ from this simplified projection.