SWP calculator
See how long a corpus lasts with a fixed monthly withdrawal. Free SWP calculator. See how long an investment lasts when you withdraw a fixed amount every month, and what is left at the end, at the rate you assume.
Example with the starting values
- Total investment: ₹10,00,000
- Withdrawal per month: ₹10,000
- Expected return rate (p.a.): 8%
- Time period: 5 years
Result:
- Invested amount: ₹10,00,000
- Total withdrawal: ₹6,00,000
- Final value: ₹7,55,077
How it is calculated
A systematic withdrawal plan (SWP) takes a fixed amount out of an investment every month, while the rest stays invested. If the growth is more than what you take out, the money lasts longer.
How it is worked out: each month the balance grows at the yearly rate ÷ 12, then the withdrawal is taken out. When the balance reaches zero, withdrawals stop.
Example: ₹10 lakh, ₹10,000 a month, an assumed 8% a year: after 5 years you have taken out ₹6 lakh and about ₹7.5 lakh is still left. Real returns vary, so the money can run out sooner.
Learn the idea behind it
For learning only. The rate is an assumption you choose, not a promise or prediction. Real returns change, investments can lose money, and tax, charges and inflation are not included. This is not investment advice.