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Total withdrawn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Withdrawn vs corpus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Total withdrawn is capped at the amount the corpus can actually fund.
Estimated returns = ending balance + total withdrawn - initial corpus.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.

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Guide

SWP Calculator Guide

Understand withdrawals, corpus life, and assumptions.

Guide

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.