SWP Calculator

Model systematic withdrawals from a corpus with return and optional withdrawal step-up.

—Total withdrawn
—Final fund value
—Total wealth generated
—Estimated profit

SWP = Systematic Withdrawal Plan: interest is earned monthly, then your withdrawal is deducted. “Wealth generated” = remaining fund + total withdrawn; “profit” = that minus your initial investment.

Yearly schedule
YearOpeningInterestWithdrawnClosing
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How to use SWP Calculator

Three quick steps — no sign-up needed

  1. Step 1

    Enter corpus and monthly withdrawal

    Add total investment (₹) and monthly withdrawal amount.

  2. Step 2

    Set return, period, and step-up

    Choose expected return, years, and optional annual increase in withdrawal.

  3. Step 3

    Review schedule outcomes

    See how the corpus may last under your assumptions.

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About SWP Calculator

SWP Calculator models a systematic withdrawal plan from a starting corpus with expected return, withdrawal amount, period, and optional annual increase in withdrawals. Retirees searching "SWP calculator", "systematic withdrawal", or "monthly withdrawal from corpus" need sustainability estimates.

Enter total investment (₹), monthly withdrawal, expected return (% p.a.), period years, and withdrawal step-up (%). High withdrawals plus weak returns deplete capital faster.

Sequence-of-returns risk can make real outcomes worse than a smooth average return model. Educational tool - not a guarantee that a corpus will last the full period.

Benefits of SWP Calculator

Withdrawal sustainability view See if the corpus keeps up.
Step-up withdrawals Model rising expenses.
Return sensitive Test cautious vs optimistic rates.
Yearly schedule insight Follow balances over time when shown.

Frequently asked questions

What is SWP?

A plan to withdraw a fixed or rising amount periodically from investments.

Why did the corpus run out early?

Withdrawals exceeded growth - lower the withdrawal or assume a different return.

Does this include taxes?

Usually pre-tax maths - tax on gains can reduce residual corpus.

Is SWP safer than lump-sum withdrawal?

It can manage cash flow, but market risk remains.

Is this retirement advice?

No - educational modelling only.