SWP Calculator
Systematic withdrawal plan — how long a corpus lasts and what is left after regular withdrawals.
Inputs
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
9/12/100
0.007500
- 2
First-year monthly withdrawal
W₀
₹35,000
- 3
Simulation
Bal × (1+i) − W each month
240 months
- 4
Closing corpus
final balance
₹6,669,717
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.
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.
Standards & references
- SEBI mutual fund SWP framework
- Withdrawal-rate research (4% rule)
Frequently asked questions
What does the SWP Calculator do?
Systematic withdrawal plan — how long a corpus lasts and what is left after regular withdrawals. The SWP Calculator on OneCalcApp returns the result instantly as you type, together with the formula and the substituted values.
How do I use the SWP Calculator?
Enter your values in the input fields, choose the relevant units or options, and the SWP Calculator recalculates automatically. You can copy, print or export the result.
Is the SWP Calculator free to use?
Yes. The SWP Calculator is completely free, needs no sign-up and has no usage limit on OneCalcApp.
How accurate is the SWP Calculator?
It uses the standard formula i = rate / 12 / 100 and full double-precision arithmetic, so results match a manual calculation to the displayed number of digits.
Does the SWP Calculator work on mobile and offline?
Yes. The SWP Calculator runs entirely in your browser on phones, tablets and desktops, and your inputs never leave your device.
Where can I find related tools?
OneCalcApp hosts 300+ calculators and converters, including the full Finance collection. Related tools are linked at the bottom of every page.
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