SWP Calculator

A Systematic Withdrawal Plan lets you withdraw a fixed amount from an invested lumpsum at regular intervals, useful for generating regular income in retirement while the remaining balance continues to earn returns. This calculator projects that balance over time.

How to Use This Calculator

1. Enter your initial lumpsum investment.
2. Enter the fixed amount you plan to withdraw each month.
3. Enter the expected annual rate of return and the withdrawal period.
4. View the projected remaining balance over time, and whether the corpus is depleted before your chosen period ends.

How the Calculation Works

Each month, the balance grows by the expected monthly return and then reduces by the withdrawal amount: Balance(month n) = Balance(month n−1) × (1 + monthly rate) − Withdrawal, repeated until the period ends or the balance reaches zero.

Worked Example

A ₹50 lakh lumpsum with a ₹30,000 monthly withdrawal at an assumed 8% annual return — see the calculator above for the month-by-month balance projection and whether it sustains the full withdrawal period.

Who Should Use This

Retirees or anyone drawing a regular income from an invested corpus, who wants to check whether their withdrawal rate is sustainable over their expected time horizon.

Important Considerations

Returns are assumed and not guaranteed — a market downturn early in the withdrawal period can deplete the corpus faster than a smooth average-return projection suggests. Consider stress-testing with a lower return assumption.

Common Mistakes

Withdrawing at a rate higher than the fund's realistic long-term return steadily erodes the principal even if short-term returns look healthy — always compare your withdrawal rate against the assumed return rate.