SWP Calculator (Systematic Withdrawal Plan)
Model a Systematic Withdrawal Plan: put in your corpus, the monthly amount you want to withdraw, and the return you expect. The tool simulates it month by month and tells you how many years the money lasts, or the balance remaining after a chosen number of years. Add an annual step-up to keep pace with inflation.
A month-by-month simulation: the balance grows at the return you set, then the withdrawal is taken. Returns are an assumption, not a guarantee — a bad first few years (sequence risk) can drain a corpus much faster than the average return suggests. Capital-gains tax on each withdrawal is not modelled. Nothing is uploaded.
FAQ
- What return should I assume?
- Be conservative — for a withdrawal plan, a lower assumption (e.g. 8–9% for a balanced portfolio) protects you against a weak early stretch, which drains a corpus far faster than the long-run average suggests (sequence-of-returns risk).
- Does it account for tax?
- No. Each SWP redemption from an equity or debt fund can trigger capital-gains tax, which reduces what actually reaches you. Factor that in separately.
Related tools
- SIP CalculatorFuture value of a monthly mutual-fund SIP, with optional step-up.
- Lumpsum Investment CalculatorFuture value of a one-time investment at a compound rate.
- FD CalculatorFixed-deposit maturity value with quarterly compounding.
- RD CalculatorRecurring-deposit maturity from a fixed monthly deposit.
- PPF Calculator15-year Public Provident Fund maturity and yearly balance.
Free to use, no sign-up. Calculations run in your browser — nothing you type is sent to a server. These tools are for general information only, not professional advice. See the full tool list.