How the SWP Calculator Works
This SWP calculator simulates your investment balance month by month: each month, the remaining balance grows at your expected rate of return, and then your fixed monthly withdrawal is deducted.
Enter your total investment corpus, the amount you wish to withdraw every month, your expected annual rate of return, and the number of years over which you plan to withdraw.
The calculator shows your total withdrawals, the projected final balance, and flags if your corpus is likely to be exhausted before the end of your chosen withdrawal period.
Formula Used
Each month, the balance is first grown by the monthly rate of return, then the withdrawal is subtracted:
Balance(next) = Balance × (1 + i) − W- iExpected monthly rate of return (annual rate ÷ 12)
- WFixed monthly withdrawal amount
Example Calculation
Suppose you invest a lumpsum and withdraw a fixed monthly amount over 15 years, expecting an 8% annual return.
- Total Investment₹25,00,000
- Monthly Withdrawal₹20,000
- Expected Return Rate8% p.a.
- Withdrawal Period15 years
- ResultFinal Balance ≈ ₹13.47 Lakh (Total Withdrawn: ₹36 Lakh)
Important Assumptions
- Returns are assumed to compound monthly at a constant rate for the entire withdrawal period — actual returns fluctuate with market performance.
- Withdrawals are assumed to happen at a fixed amount every month, with no adjustment for inflation.
- This calculator does not account for exit loads, expense ratios, or capital gains taxation on withdrawals.
- If the balance is fully depleted, withdrawals in subsequent months are treated as zero.