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Systematic withdrawal plan
SWP Calculator
A systematic withdrawal plan turns a lump sum into a regular monthly income. Enter your corpus, the monthly amount you want and an expected return — see whether the money lasts, what's left at the end, and how much you can withdraw without eating into the principal.
Your withdrawal plan
See year-by-year schedule
| Year | Opening | Withdrawn | Growth | Closing |
|---|
How it's calculated
Each month your balance first earns that month's return (the annual rate divided by 12), and then the withdrawal is taken out at month-end. If you set a yearly increase, the monthly withdrawal rises by that percentage every year so your income keeps pace with inflation. If the balance can't cover a withdrawal, the plan stops and the calculator shows how long the money lasted.
Example: withdrawing ₹30,000 a month from ₹50 lakh at 10% for 20 years takes out ₹72,00,000 in total and still leaves about ₹1,38,59,303 — because ₹30,000 is less than the roughly ₹41,667 the corpus earns each month. Raise the withdrawal to ₹50,000 and drop the return to 8%, and the same ₹50 lakh runs out in 13 years and 10 months.
The return is assumed constant. Real markets are uneven, and the order of returns matters: a bad stretch early in the plan hurts an SWP far more than the same stretch later (sequence risk). Treat this as a planning estimate, not a promise. Capital-gains tax on the units you sell is not deducted here.