SWP Calculator

Estimate how long a corpus may last with monthly withdrawals and expected returns.

Tax year 2026 - Updated June 2026

SWP inputs

Initial corpus

INR

Monthly withdrawal

INR

Expected annual return

Expected inflation

Withdrawal duration

years

Corpus status

Lasts full term

After 120 withdrawals, estimated balance is ₹37,80,360.

Total withdrawn

₹48,00,000

Ending balance

₹37,80,360

Sustainable monthly

₹60,664

Estimated returns used

₹35,80,360

Planned withdrawal

₹48,00,000

Monthly rate used

0.667%

Total months

120

Withdrawn vs corpus

96%

Balance vs corpus

76%

SWP drawdown chart

Year-by-year view of remaining balance versus total withdrawals.

Ending balanceTotal withdrawnFinal: ₹37,80,360

Inflation-adjusted estimate

₹21,10,933

Real return: 1.89%

Nominal value

₹37,80,360

Purchasing-power loss

₹16,69,427

Cumulative inflation

79.08%

Uses 6% annual inflation to show today-value purchasing power. This is still an estimate, not a guaranteed real return.

Formula used

Monthly rate = expected annual return / 12 / 100.
Each month, corpus grows by the monthly rate, then the monthly withdrawal is deducted.
Total withdrawn is capped at the amount the corpus can actually fund.
Estimated returns = ending balance + total withdrawn - initial corpus.
Sustainable monthly withdrawal = corpus x monthly rate / [1 - (1 + monthly rate)^-months].
If return is 0%, sustainable monthly withdrawal = corpus / total months.
Inflation-adjusted ending balance = ending balance / (1 + expected inflation) ^ duration years.
Real annual return = (1 + expected return) / (1 + expected inflation) - 1.

Quick answers

SWP Calculator FAQs

What is an SWP Calculator?

An SWP Calculator estimates how a corpus may behave when you withdraw a fixed amount every month while the remaining balance continues to earn an assumed return.

How long will my money last with SWP?

The answer depends on starting corpus, monthly withdrawal, expected return, and duration. Higher withdrawals or lower returns can exhaust the corpus faster.

Does SWP guarantee monthly income?

No. SWP from market-linked investments is not guaranteed. Actual returns, sequence of returns, taxes, and withdrawal timing can change the result.

Does the SWP Calculator include inflation?

No. It uses a fixed monthly withdrawal. If expenses may rise over time, estimate future expenses separately with the Inflation Calculator or Retirement Calculator.

Is SWP better than FD interest payout?

SWP and FD payout solve different needs. SWP may be market-linked and flexible, while FD payout is more predictable for a booked deposit. Compare both before choosing.

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SWP vs FD Retirement Income

Compare withdrawals and FD interest payouts for retirement cash flow.

Assumptions

Assumes a fixed monthly withdrawal for the selected duration.
Assumes returns are credited monthly before each withdrawal.
Does not include taxes, exit loads, expense ratios, inflation, or market volatility.
Actual corpus behavior can vary based on returns, withdrawal timing, and product rules.
This is an educational estimate and not financial advice.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Formula used

Monthly rate = expected annual return / 12 / 100.

Each month, corpus grows by the monthly rate, then the monthly withdrawal is deducted.

Total withdrawn is capped at the amount the corpus can actually fund.

Estimated returns = ending balance + total withdrawn - initial corpus.

Sustainable monthly withdrawal = corpus x monthly rate / [1 - (1 + monthly rate)^-months].

If return is 0%, sustainable monthly withdrawal = corpus / total months.

Inflation-adjusted ending balance = ending balance / (1 + expected inflation) ^ duration years.

Real annual return = (1 + expected return) / (1 + expected inflation) - 1.

Assumptions

Assumes a fixed monthly withdrawal for the selected duration.

Assumes returns are credited monthly before each withdrawal.

Does not include taxes, exit loads, expense ratios, inflation, or market volatility.

Actual corpus behavior can vary based on returns, withdrawal timing, and product rules.

This is an educational estimate and not financial advice.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.