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SWP Calculator
Systematic withdrawal plan — how long a corpus lasts and what is left after regular withdrawals.
PlanningInputs
Results
Formula
- i = rate / 12 / 100
- Balanceₘ = Balanceₘ₋₁ × (1 + i) − Wₘ
- Wᵧ = W₀ × (1 + escalation)^(y−1)
- Corpus survives while Balance > 0
An SWP is a reverse SIP: the corpus keeps earning, but each withdrawal removes principal plus the future growth it would have produced. Sustainability depends on the gap between the return and the withdrawal rate — a withdrawal above roughly 6–7% of corpus a year erodes capital quickly once inflation escalation is added.
Step-by-step Calculation
- 1.Monthly return
9/12/1000.007500 - 2.First-year monthly withdrawal
W₀₹35,000 - 3.Simulation
Bal × (1+i) − W each month240 months - 4.Closing corpus
final balance₹6,669,717
Remaining corpus by year
5,031,269Y1
5,065,471Y2
5,102,882Y3
5,143,802Y4
5,188,560Y5
5,237,518Y6
5,291,067Y7
5,349,640Y8
5,413,708Y9
5,483,786Y10
5,560,437Y11
5,644,279Y12
5,735,986Y13
5,836,295Y14
5,946,014Y15
6,066,026Y16
6,197,296Y17
6,340,879Y18
6,497,932Y19
6,669,717Y20
Final value
₹6,669,717
Peak
Y20 · ₹6,669,717
Periods shown
20
Assumptions
- • Return is credited monthly and withdrawals happen at month end.
- • Capital-gains tax on redeemed units is not deducted.
- • Sequence-of-returns risk (bad early years) is not modelled.
Money Tips
- ◆Keep 2–3 years of withdrawals in debt so equity is never sold in a crash.
- ◆Test your plan at a 2% lower return before committing to it.
Warnings
- ▲A flat withdrawal loses purchasing power — set the escalation to at least expected inflation.
References & Standards
SEBI mutual fund SWP frameworkWithdrawal-rate research (4% rule)
Results are planning estimates generated in your browser. Nothing you enter is uploaded or stored. Verify material decisions with your lender, adviser or chartered accountant.