SWP Calculator
Finance & InvestmentSee how long a corpus lasts when you withdraw from it monthly — and whether it lasts at all.
Runs entirely in your browser — nothing is uploaded
A systematic withdrawal plan sells units each month to pay you an income. The whole question is whether what you take out is more or less than what the corpus earns: below that line the balance grows and the plan runs indefinitely, above it the capital drains at an accelerating rate. This shows which side of the line you are on in the first month, and if the corpus does run out, exactly when.
What people do next
Features
- Says whether the withdrawal is sustainable from the first month.
- Reports the exact month the corpus runs out, when it does.
- Optional annual increase, to keep the income level against inflation.
- Year-by-year table of withdrawals, growth and remaining balance.
- Shows total withdrawn and total earned along the way.
How to use the SWP Calculator
- 1Enter the corpus and the monthly income you want from it.
- 2Set an expected return — be conservative, this is the assumption that matters.
- 3Set how many years the plan needs to cover.
- 4Optionally raise the withdrawal each year to keep pace with prices.
- 5Read whether the plan is sustainable before looking at anything else.
Frequently asked questions
How long will my money last with an SWP?
It depends entirely on whether the withdrawal exceeds the monthly growth. A ₹50 lakh corpus at 12% earns about ₹50,000 in the first month, so withdrawing ₹30,000 leaves it growing and the plan never ends. Withdraw ₹60,000 and the capital starts falling immediately, faster each year as the base shrinks.
What is a safe withdrawal rate?
A common rule of thumb is 4% of the corpus a year, which allows for inflation and poor market years. On a ₹1 crore corpus that is about ₹33,000 a month. This calculator lets you test any rate, but a plan that only works at an optimistic return is a plan without margin — run it again at a lower rate and see what breaks.
Why does a bad first few years hurt so much?
Because units are being sold at low prices to fund your income, so more of them go for the same money and there is less left to recover when markets turn. The same poor years occurring late in the plan do far less damage. This calculator assumes a steady return and therefore cannot show that risk — it is worth being aware it exists.
Is SWP income taxed?
Each withdrawal is a redemption, so it attracts capital gains tax on the gain portion only, not on the whole amount. Because you are only ever selling part of the corpus, the taxable share of each payment is usually small — which is what makes SWP more tax-efficient than a dividend option for regular income.
Should I increase my withdrawal each year?
If it is your living income, almost certainly — a flat withdrawal loses purchasing power every year. The step-up option here shows what that costs: raising the income to track inflation shortens how long the corpus lasts, sometimes dramatically. Better to see that now than in year twelve.