SWP Calculator
Plan your Systematic Withdrawal Plan (SWP) — see how long your corpus lasts and your total withdrawals over time.
How is SWP Calculated?
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount every month from an existing lumpsum investment while the remaining balance continues to earn returns. Each month, the balance grows by the expected monthly return and then the withdrawal is deducted.
If withdrawals exceed what the corpus can sustain, the balance eventually depletes to zero — this calculator simulates month by month and flags the exact month your corpus would run out, if it happens before your chosen duration ends.
Frequently Asked Questions
How long will my corpus last with an SWP?
It depends on your withdrawal rate relative to your expected return. If your monthly withdrawal is smaller than the return the corpus generates, the balance can theoretically last indefinitely; otherwise it gradually depletes.
Is SWP better than withdrawing a lumpsum?
SWP lets the uninvested portion keep earning returns while you draw a regular income, and can also be more tax-efficient than a one-time withdrawal, depending on applicable capital gains rules.