Estimated monthly withdrawal
₹30,000
Taken every month for 240 months.
SWP Calculator
Estimate how long a corpus supports a fixed monthly withdrawal, and what is left at the end of the period.
Under 30 seconds
Updated 26 Aug 2026
12,450people used this
Results dashboard
Total amount withdrawn
₹72,00,000
Across 20 years of withdrawals.
Estimated remaining corpus
₹69,63,401
Balance left after 20 years.
Estimated total growth
₹91,63,401
Return credited at 8% p.a. compounded monthly.
An SWP calculator estimates what happens to an investment corpus when you withdraw a fixed amount every month. It credits an assumed monthly return to the balance, subtracts the withdrawal, and repeats for the period you choose, so you can see total withdrawals, the estimated remaining corpus and whether the corpus runs out. Market returns vary, so the result is an estimate and not a guarantee.
Visual breakdown
A visual view of your calculation.
Interactive charts arrive here soon.
Year-wise withdrawals and corpus
Opening balance, growth credited, amount withdrawn and closing balance for each year of the plan.
| Year | Opening corpus | Growth | Withdrawn | Closing corpus |
|---|---|---|---|---|
| 1 | ₹50,00,000 | ₹4,01,500 | ₹3,60,000 | ₹50,41,500 |
| 2 | ₹50,41,500 | ₹4,04,944 | ₹3,60,000 | ₹50,86,444 |
| 3 | ₹50,86,444 | ₹4,08,675 | ₹3,60,000 | ₹51,35,119 |
| 4 | ₹51,35,119 | ₹4,12,715 | ₹3,60,000 | ₹51,87,833 |
| 5 | ₹51,87,833 | ₹4,17,090 | ₹3,60,000 | ₹52,44,923 |
| 6 | ₹52,44,923 | ₹4,21,828 | ₹3,60,000 | ₹53,06,751 |
| 7 | ₹53,06,751 | ₹4,26,960 | ₹3,60,000 | ₹53,73,711 |
| 8 | ₹53,73,711 | ₹4,32,518 | ₹3,60,000 | ₹54,46,229 |
| 9 | ₹54,46,229 | ₹4,38,537 | ₹3,60,000 | ₹55,24,765 |
| 10 | ₹55,24,765 | ₹4,45,055 | ₹3,60,000 | ₹56,09,820 |
| 11 | ₹56,09,820 | ₹4,52,115 | ₹3,60,000 | ₹57,01,935 |
| 12 | ₹57,01,935 | ₹4,59,760 | ₹3,60,000 | ₹58,01,695 |
| 13 | ₹58,01,695 | ₹4,68,040 | ₹3,60,000 | ₹59,09,735 |
| 14 | ₹59,09,735 | ₹4,77,007 | ₹3,60,000 | ₹60,26,742 |
| 15 | ₹60,26,742 | ₹4,86,719 | ₹3,60,000 | ₹61,53,461 |
| 16 | ₹61,53,461 | ₹4,97,236 | ₹3,60,000 | ₹62,90,697 |
| 17 | ₹62,90,697 | ₹5,08,627 | ₹3,60,000 | ₹64,39,324 |
| 18 | ₹64,39,324 | ₹5,20,963 | ₹3,60,000 | ₹66,00,287 |
| 19 | ₹66,00,287 | ₹5,34,323 | ₹3,60,000 | ₹67,74,610 |
| 20 | ₹67,74,610 | ₹5,48,791 | ₹3,60,000 | ₹69,63,401 |
Smart Insights
Generated from the numbers you entered — no guesswork.
- The corpus is estimated to last the full 20 years, leaving about ₹69,63,401.
- You withdraw ₹72,00,000 in total while the corpus earns an estimated ₹91,63,401.
- A withdrawal of ₹33,333 a month would roughly match the assumed monthly return, keeping the corpus close to unchanged.
- Your withdrawal works out to about 7.2% of the starting corpus a year — the lower this is relative to returns, the longer the corpus lasts.
- Returns are assumed constant. Real market returns vary, and a weak stretch early in the plan shortens how long the corpus lasts.
How does the SWP Calculator work?
Each step the calculator runs, in plain language.
- 1
Start with your invested corpus
An SWP is set up on money already invested, typically in mutual funds. Units are redeemed each month to fund the withdrawal.
- 2
Credit the assumed monthly return
The annual return you enter is divided by 12 and applied to the balance each month, which is a transparent, constant-return model.
- 3
Subtract the fixed withdrawal
The withdrawal is deducted after growth. If the balance cannot cover it, only what remains is withdrawn and the corpus is exhausted.
- 4
Read the sustainability signals
The remaining corpus, the depletion year and the interest-only withdrawal figure together show whether the plan is sustainable.
SWP Calculator formula
The exact maths behind every number on this page.
Each month: balance = balance × (1 + r) − W (r = annual return ÷ 12 ÷ 100)
- balance
- Corpus at the start of the month
- r
- Assumed monthly return (annual return ÷ 12 ÷ 100)
- W
- Fixed monthly withdrawal
Growth is credited before the withdrawal is taken, and the withdrawal is capped at the balance available, so the corpus can be depleted but never turns negative.
SWP Calculator calculation example
A ₹50,00,000 corpus, 8% assumed annual return, ₹30,000 withdrawn monthly for 20 years.
- 1Corpus₹50,00,000
- 2Monthly return (r)8 ÷ 12 ÷ 100 = 0.006667
- 3Monthly withdrawal (W)₹30,000
- 4Months20 × 12 = 240
Total withdrawals come to ₹72,00,000 and the corpus is still estimated to be positive at the end, because the monthly return (about ₹33,000 in month one) starts out larger than the withdrawal.
Important assumptions
What this calculation includes, and what it leaves out.
- The expected return is assumed constant for every month of the period. Actual market returns vary and can be negative in some years.
- SWP returns are not guaranteed. This calculator does not predict mutual fund performance.
- Taxes on capital gains, exit loads, stamp duty, expense ratios and STT are not modelled.
- The withdrawal amount is fixed in rupee terms — it is not increased for inflation.
- Growth is credited monthly and the withdrawal is taken at the end of each month.
Benefits
Why people use this calculator before signing a loan.
Plan a regular income
See whether a corpus can support the monthly amount you need, and for how long.
Stress-test assumptions
Lower the return or raise the withdrawal to see how quickly sustainability changes.
Compare with a SIP plan
SIP builds a corpus; SWP draws it down. Use both to plan accumulation and retirement.
Financial tips
Practical guidance to act on your result.
- Keep the withdrawal below the expected return if you want the corpus to survive indefinitely.
- Test a lower return assumption — a plan that only works at 12% is fragile.
- Withdrawals from equity funds are taxed as capital gains; plan for the tax outflow separately.
- Review the plan every year and adjust the withdrawal if markets have been weak.
Frequently asked questions
Short, direct answers to the questions we hear most.
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Disclaimer
CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.