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SWP Calculator — Systematic Withdrawal Plan
Plan regular monthly withdrawals from your invested corpus while it continues to earn. See how long your retirement money will last.
Inputs
₹50.00 L
₹1.00 L₹50.00 Cr
₹30,000
₹1,000₹10.00 L
9%
120
20 yrs
140
Result
Final balance
₹1.00 Cr
Total withdrawn
₹72.00 L
Starting corpus
₹50.00 L
Composition
Invested
Returns
Year-by-year growth
About the SWP Calculator
An SWP (Systematic Withdrawal Plan) lets you convert an accumulated corpus into a predictable monthly paycheck. Essential for retirees, financially-independent individuals, and anyone living off investments.
This calculator simulates each month: balance grows at your expected return, then you subtract the withdrawal. The final balance shows how much corpus remains after the period.
Tip: your withdrawal shouldn't exceed ~60–70% of expected returns if you want your corpus to last 30+ years in real terms.
SWP — Frequently asked questions
A Systematic Withdrawal Plan is the opposite of a SIP — you withdraw a fixed amount monthly from a mutual fund while the remaining corpus continues to earn returns. Popular for post-retirement income.
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