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SWP Calculator
See how a monthly systematic withdrawal holds up if the remaining corpus keeps earning an assumed return.
Last updated 2026-09-18
Ending corpus
₹61,53,461
Months the plan lasted
15 yrs
Still invested at the horizon.
How it works
Each month: balance = balance × (1 + monthly return) − withdrawal.
How to use this calculator
- Enter the inputs shown above (amount, rate, tenure, income, or other fields).
- Read the live results — they update as you type.
- Check the formula, worked example, and assumptions on this page before you decide.
Formula
Each month: balance = balance × (1 + monthly return) − withdrawal.
Worked example
₹50 lakh, 8% assumed, ₹30,000 SWP: the ending corpus after 15 years depends on that assumed return.
Reading the result
Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.
See also: calculation methodology and disclaimer.
Frequently asked questions
Yes. If withdrawals outpace returns, the balance hits zero before the end date. That is shown as depleted.
Assumptions and limits
- Constant monthly return. Sequence-of-returns risk is ignored.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
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