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SWP calculator

How long a corpus lasts when you withdraw every month.

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Quick answer

Enter your corpus, the monthly withdrawal and the expected return. A ₹50,00,000 corpus with ₹40,000 withdrawn monthly at 8% still has about ₹9.16 lakh left after 20 years.

₹50.00 Lakh

Balance left at the end

₹9,16,125

Total withdrawn
₹96,00,000
Starting investment
₹50,00,000

Returns are not guaranteed. Real investments go up and down, so treat this as an illustration of the maths.

Balance left at the end of each year
₹0₹24.57 Lakh₹49.14 LakhYear 1, Balance: ₹49.14 Lakh1Year 2, Balance: ₹48.20 LakhYear 3, Balance: ₹47.19 Lakh3Year 4, Balance: ₹46.09 LakhYear 5, Balance: ₹44.91 Lakh5Year 6, Balance: ₹43.62 LakhYear 7, Balance: ₹42.23 Lakh7Year 8, Balance: ₹40.72 LakhYear 9, Balance: ₹39.08 Lakh9Year 10, Balance: ₹37.32 LakhYear 11, Balance: ₹35.40 Lakh11Year 12, Balance: ₹33.32 LakhYear 13, Balance: ₹31.08 Lakh13Year 14, Balance: ₹28.64 LakhYear 15, Balance: ₹26.01 Lakh15Year 16, Balance: ₹23.15 LakhYear 17, Balance: ₹20.06 Lakh17Year 18, Balance: ₹16.71 LakhYear 19, Balance: ₹13.09 Lakh19Year 20, Balance: ₹9.16 Lakh
  • Balance
Year-by-year table
YearWithdrawnBalance
1₹4,80,000₹49,13,681
2₹4,80,000₹48,20,197
3₹4,80,000₹47,18,953
4₹4,80,000₹46,09,307
5₹4,80,000₹44,90,560
6₹4,80,000₹43,61,958
7₹4,80,000₹42,22,681
8₹4,80,000₹40,71,844
9₹4,80,000₹39,08,489
10₹4,80,000₹37,31,574
11₹4,80,000₹35,39,976
12₹4,80,000₹33,32,475
13₹4,80,000₹31,07,752
14₹4,80,000₹28,64,377
15₹4,80,000₹26,00,802
16₹4,80,000₹23,15,350
17₹4,80,000₹20,06,206
18₹4,80,000₹16,71,403
19₹4,80,000₹13,08,811
20₹4,80,000₹9,16,125

How it works

A systematic withdrawal plan pays you a fixed amount from an investment while the rest keeps earning.

If the withdrawal is bigger than the monthly return, the balance shrinks; if the balance hits zero early, the calculator says when.

Inflation is not included, so the same ₹40,000 buys less each year. Keep a margin or raise the withdrawal over time.

The formula

  • Each month: take out the withdrawal, then the remaining balance grows by i = yearly return ÷ 12 ÷ 100
  • Balance = (balance − withdrawal) × (1 + i), until the balance reaches 0 or the period ends

A worked example

₹50,00,000 with ₹40,000 withdrawn each month at 8% for 20 years: you take out ₹96,00,000 in total and ₹9,16,125 is still left.

Common questions

What is a safe withdrawal rate?

A common rule of thumb is around 4% of the corpus a year, but the right figure depends on returns, inflation and how long you need the money.

Is SWP income taxable?

The gains part of each withdrawal can be taxed. The rules depend on the fund type and how long you held it, so check current rules.

What if returns are lower than I assumed?

The money runs out sooner. Try a lower return in the box to stress-test your plan.

Is the withdrawal taken at the start or end of the month?

At the start of each month, before that month’s growth.