Investment Calculators
SWP Calculator
See how long a fixed monthly withdrawal can be sustained from your investment corpus, and what's left at the end of your chosen period.
Your withdrawal plan
Remaining Corpus
₹0After 20 years of withdrawals
Initial Investment
₹0Total Withdrawn
₹0Corpus over time
How your remaining corpus changes as withdrawals continue
How the SWP calculator works
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an existing investment corpus at regular intervals, while the remaining balance stays invested and continues earning returns. It's commonly used to generate a regular income stream from a lump-sum corpus, particularly in retirement.
How the calculation works
Each month, the calculator applies your expected rate of return to the current corpus, then deducts the withdrawal amount. If withdrawals exceed what the corpus can sustain, the balance gradually shrinks toward zero; if returns outpace withdrawals, the corpus can actually keep growing even as you draw from it.
What determines sustainability
The relationship between your withdrawal rate and expected return is what matters most. A monthly withdrawal that's small relative to your corpus and expected return can sustain indefinitely; a withdrawal rate that's too aggressive will deplete the corpus within a defined period, as shown when this calculator flags a depletion year.
Frequently asked questions
An SWP is a facility, typically offered by mutual funds, that lets you withdraw a fixed amount at regular intervals from your investment while the rest stays invested. It works in the opposite direction of a SIP.
Related calculators
Planning a regular income from your investments?
A Premier Capital advisor can help you structure an SWP that balances income needs against corpus longevity.
